Capital Bank of Texas - Privacy Policy

CAPITAL BANK OF TEXAS

	Rev. 12/2010
FACTS	What Does CAPITAL BANK OF TEXAS 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          • Payment history
• Income                                  • Transaction history
• Account balances                  • Credit history

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 Capital Bank of Texas chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Capital Bank of Texas 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	Yes	No
For our marketing purposes— to offer our products and services to you	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes— information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes— information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Call 830-876-5221 or go to www.capitalbankoftexas.com

What we do

How does Capital Bank of Texas 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Capital Bank of Texas collect my personal information?

We collect your personal information, for example, when you
• Open an account
• Make deposits or withdrawals from your account
• Apply for a loan
• Use your credit or debit card
• Show your driver's license
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 nonaffiliates 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. • Capital Bank of Texas has no affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfi nancial companies. • Capital Bank of Texas does not share with nonaffiliates so they can market to you.
Join marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Capital Bank of Texas doesn't jointly market.

Other important informations

For Texas Customers. The Capital Bank of Texas 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 the Capital Bank of Texas should contact the Texas Department of Banking through one of the means indicated below: In person, or by U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No. (877) 276-5554; Fax No. (512) 475-1313; E-mail: consumer.complaints@dob.texas.gov, Website: www.dob.texas.gov.