YOUR FINANCIAL PRIVACY AT CAPITAL BANK OF TEXAS

At Capital Bank of Texas, maintaining our customers' trust and confidence is of utmost importance. Recently, Congress enacted the Gramm-Leach-Bliley Act (Financial Services modernization Act) which requires banks and other providers of financial services and products to provide written notice of their privacy policies. While this disclosure requirement is new, our commitment to protecting your privacy is not. We will continue to safeguard the privacy of the information you have entrusted to us.

This notice provides you with information on how Capital Bank of Texas collects and uses your personal customer information. The notice also details how we maintain the confidentiality and accuracy of certain information.

NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Capital Bank of Texas.

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
  • Retail installment contract we hold and service
  • Insurance policies issued by or through us
  • Self-directed Individual Retirement Account

We will tell you the sources of the information we collect about you. 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 nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION 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 other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information

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.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

TEXAS NOTICE

This institution 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 this institution should contact the Texas Department of Banking through one of the means indicated below:

• In Person or 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@banking.state.tx.us;
• Website: www.banking.state.tx.us

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