Disclosures

COMMUNITY REINVESTMENT ACT NOTICE

Under the Federal Community Reinvestment Act (CRA), The Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA. At our main branch, located at 519 Main Street, Schertz, Texas 78154, you may review, today, the public section of our most recent CRA evaluation, prepared by the FDIC (dated June 26, 2019); as well as (1) a map showing the assessment area of the bank, which is the area in which the FDIC evaluates our CRA performance in this community; (2) information about our branches in this assessment area; (3) a list of services we provide at these locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that relate specifically to our CRA performance in this assessment area, along with any responses we may have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. The list is available from the Dallas Deputy Regional Director of the Federal Deposit Insurance Corporation, 1601 Bryan Street, 38th Floor, Dallas, TX 75201. You may send written comments about our performance in helping to meet community credit needs to: CRA Officer, M&T Capital, PO Box 800, Schertz, TX 78154, and the Dallas Deputy Regional Director of the Federal Deposit Insurance Corporation, 1601 Bryan Street, 38th Floor, Dallas, TX 75201. Your letter, together with any response by us, will be considered by the FDIC in evaluating our Community Reinvestment Act performance, and may be made public.

You may ask to look at any comments received by the Regional Director. You may also request from the Regional Director, an announcement of our applications, covered by the CRA, filed with the FDIC. We are an affiliate of Schertz Bancshares, Inc., a one bank holding company. You may request from Dallas Deputy Regional Director of the Federal Deposit Insurance Corporation, 1601 Bryan Street, 38th Floor, Dallas, TX 75201 an announcement of applications, covered by the CRA, filed by bank holding companies.

We Do Business in Accordance With Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing & Urban Development Washington, DC 20410
For processing under the Federal Fair Housing Act and to:

Office of Consumer Affairs
Federal Deposit Insurance Corporation
Washington, DC 20429-9990
For processing under FDIC regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age,
• Because income is from public assistance, or because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Office of Consumer Affairs
Federal Deposit Insurance Corporation
Washington, DC 20429-9990

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available for review. The data show graphic distribution of loans and applications, race, gender, and income of applicants and borrowers; and information about loan approvals and denials.
Inquire at this office regarding the locations where HMDA data may be inspected.

NOTICE TO BORROWERS

CERTAIN LOAN AGREEMENTS MUST BY IN WRITING

TEXAS LAW (Section 26.02. Business and Commerce Code) requires that all financial institutions conspicuously post notices summarizing requirements that loan agreements be in writing. You should know that:

• An agreement, promise, or commitment to loan more than $50,000 MUST BE IN WRITING AND SIGNED BY THE LENDER OR IT WILL BE UNENFORCEABLE.
• The written loan agreement will be the ONLY source of rights and obligations for agreements to lend more than $50,000.
• Oral agreements relating to loans over $50,000 are NOT EFFECTIVE either to establish a commitment to lend or to vary the terms of a written loan agreement.
  
  As part of the documentation required for loans over $50,000, BORROWERS MUST BE PROVIDED AND MUST SIGN A NOTICE conspicuously stating that:
  
  THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES.
  
  THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.
  
  The notice set forth above, which must be signed by both the borrower and the financial institution, can be in a separate document or incorporated in one or more of the documents constituting the loan agreement. The notice must be in type that is bold faced capitalized, underlined or otherwise set out from surrounding written material so as to be conspicuous.

Children's Online Privacy Protection Rule

Approved by the Board of Directors May 15, 2013

M&T Capital does NOT solicit or collect information from young children, specifically children under the age of 13.

What is the Children's Online Privacy Protection Rule?

Congress enacted the Children's Online Privacy Protection Act (COPPA), 15 U.S.C. §§ 6501- 6508, in 1998. COPPA contains a requirement that the Federal Trade Commission (FTC or Commission) issue and enforce a rule concerning children's online privacy, which the Commission did in 1999. The Children's Online Privacy Protection Rule, 16 C.F.R. Part 312, became effective on April 21, 2000.

The primary goal of COPPA and the Rule is to place parents in control over what information is collected from their young children online. The Rule was designed to protect children under age 13 while accounting for the dynamic nature of the Internet. The Rule applies to operators of commercial websites and online services directed to children under 13 that collect, use, or disclose personal information from children, and operators of general audience websites or online services with actual knowledge that they are collecting, using, or disclosing personal information from children under 13.

USA Patriot Act Notice

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

As a result of the 9/11 terrorist attacks, Congress enacted the USA PATRIOT Act. This Act, which is designed in part to fight the funding of terrorism and money laundering activities, includes a provision requiring all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What the identification requirements mean for you:

When you open an account, we will ask for your name, address, date of birth, and other information that will allow the financial institution to identify you. They may also ask to see your driver's license or that you provide other identifying documents. They will verify the identity information that you provide. The means of verification are varied and may include the use of credit reports and similar information sources.

Please remember that these identification requirements:

• are mandated by law;
• are intended to help combat terrorism and other attempts to use our country's financial systems for improper purposes; and
• help protect you from identity theft.