Pelican

Third Coast Bank, SSB Notices and Disclosures

FDIC Insurance

The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.

Privacy Notice

We believe that each customer relationship at Third Coast Bank, SSB is built on trust. We are committed to guarding that relationship with great care, beginning with the information you share with us. The following privacy policy explains how we use and protect the information about our customers. We ask that you read it carefully.

Information We Collect:

We collect nonpublic personal information about you from the following sources:

Information That We Disclose:

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Confidentiality and Security:

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Consumer Complaints

The Third Coast Bank, SSB is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against the Third Coast Bank, SSB should contact the Texas Department of Savings and Mortgage Lending through one of the means indicated below:

In Person or by U.S. Mail:

2601 North Lamar Boulevard, Suite 201
Austin, TX 78705-4294

Telephone: (877) 276-5550
Fax: (512) 475-1360
E-mail:

USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

FDIC’s Transaction Account Guarantee

Third Coast Bank SSB is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010 all noninterest-bearing accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

If the funds in a non-interest bearing account are swept or transferred to an interest-bearing or non-deposit account, those swept or transferred funds are no longer eligible for the full guarantee provided under the Transaction Account Guarantee Program.

The Transaction Account Guarantee Program also applies to our negotiable order of withdrawal accounts (NOW accounts) with interest rates no higher than 0.50 percent.

For more information on the Transaction Account Guarantee Program please contact the FDIC at:

Phone: (877) 275-3342
www.fdic.gov

Regulation GG

Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006

The Unlawful Internet Gambling Enforcement Act (UIGEA), signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined in Regulation GG, unlawful internet gambling means to "place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made."

As a customer of Third Coast Bank SSB, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.