YOUR PRIVACY IS IMPORTANT TO US

You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

Your trust is the cornerstone of our relationship. We work diligently to safeguard the information you give to us. In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason we ask that you please read the following information carefully.
     
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
      
We, our, and us, when used in this notice, mean CapitalBank. 
This is our privacy notice for our customers.  When we use the words “you” and “your” we mean the following types of customers:
     
Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
Deposit Account
Loan Account
Credit Card Account
Safe deposit box
Automobile lease we service
Self-directed Individual Retirement Account
Financial, investment, or economic advisory services
Mortgage brokerage services
 
We will tell you the sources of information we collect about you.
We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
     
     
We first define some terms    
      
  Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A non-affiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as a non-affiliated third party, or simply, an “other party”.
       
THE INFORMATION THAT WE COLLECT 
        
We collect information about you from the following sources:  
        
Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with our affiliates
Information about your transactions with other parties
Information from a consumer reporting agency  
 
       
INFORMATION WE DISCLOSE ABOUT YOU  
     
We do not disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
     
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION   
     
We restrict access to 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 to protect this information. 
     
TRUST department information
     
We do not share any information we collect in connection with offering our trust department services with anyone (except transactions authorized by you).
     
INFORMATION AND FORMER CUSTOMERS
     
We do not disclose information about former customers, except as permitted by law.