|FACTS||WHAT DOES INTERNATIONAL BANK OF COMMERCE (IBC Bank) & COMMERCE BANK DO WITH YOUR PERSONAL INFORMATION?|
|Why?||Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.|
|What?||The types of personal information we collect and share depend on the product or service you have with us. This information can include: |
▪ Social Security number and transaction history
▪ credit scores and income
▪ credit history and account balances
When you are no longer our customer, we continue to share your information as described in this notice.
|How?||All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons IBC Bank & Commerce Bank chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does IBC BANK & COMMERCE BANK share?||Can you limit this sharing?|
|For our everyday business purposes— |
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
|For our marketing purposes— |
to offer our products and services to you
|For joint marketing with other financial companies||Yes||No|
|For our affiliates' everyday business purposes— |
information about your transactions and experiences
|For our affiliates' everyday business purposes— |
information about your creditworthiness
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||Yes||Yes|
|To limit our sharing||▪ Mail the form below |
If you are a new customer, we can begin sharing your information  days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
|Questions?||Go to: https://www.ibc.com/en-us/contactus|
|Who we are|
|Who is providing this notice?||INTERNATIONAL BANK OF COMMERCE (IBC BANK) & COMMERCE BANK|
|What we do|
|How does IBC & COMMERCE BANK protect my personal information?||To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
We train our employees in the proper handling of personal information. We require companies that help provide our services to you to protect the confidentiality of personal information they receive.
|How does IBC & COMMERCE BANK collect my personal information?||We collect your personal information, for example, when you |
▪ open an account or apply for a loan
▪ apply for insurance or show your driver's license
▪ use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
|Why can't I limit all sharing?||Federal law gives you the right to limit only |
▪ sharing for affiliates' everyday business purposes—information about your creditworthiness
▪ affiliates from using your information to market to you
▪ sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies. |
▪ Our affiliates include companies with a common corporate identity of International Bancshares Corporation; financial companies such as IBC Bank, Commerce Bank, and IBC Insurance Agency Ltd.
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies. |
▪ Non-affiliates we share with can include financial services companies, or insurance companies.
|Joint marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you. |
▪ Our joint marketing partners include financial services companies.
|Other Important Information|
|Texas Residents Important Notice: IBC Bank/Commerce Bank is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against IBC Bank/Commerce Bank should contact the Texas Department of Banking through one of the means indicated below: In Person or U.S. Mail: Texas Department of Banking, 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294;Telephone: 877-276-5554 (Toll Free), Fax: 512-475-1313, E-Mail: email@example.com, Website: www.dob.texas.gov. |
California Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account.
Nevada Residents: For more information regarding any opt-out choices listed, you may contact us at the number or address listed. You may also contact the Nevada Attorney General's Office, Bureau of Consumer Protection, by writing to 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101, or by calling 702-486-3132, or by e-mailing to BCPINFO@ag.state.nv.us.
IBC Card Controls Users: The IBC Card Controls App periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the End User's selection. End Users can change their location permissions at any time in their device settings.