Privacy Policy

CapStone Bank recognizes that you expect a high level of privacy and confidentiality when it comes to your financial affairs and your personal information. We are committed to providing the highest level possible.

In the normal course of business we gather nonpublic personal information about our customers and those who transact business with us. We will safeguard and protect this information at all times. In the event you close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice. This Statement is provided for the purpose of informing you of how we gather and protect your information.

We obtain nonpublic personal information about our customers when you conduct a transaction with us, such as opening an account or applying for a loan or credit card. Information may be obtained directly from customers, from credit bureau agencies and from other credit references you may supply to us.

We may collect the following kinds of information about you:

• Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets and income.
• Information about your transactions with us, such as your account balance, payment history, parties to transactions and credit card usage; and
• Information we receive from a consumer-reporting agency, such as information relating to your creditworthiness and credit history.

We collect information about you only when we reasonably believe it will help provide products, services and other opportunities to you. We obtain only information that is necessary to administer our business and is allowed by law. Personal and financial information about customers is used only for very specific purposes:

• To identify persons involved in transactions and to guard against unauthorized access to funds or information, and to protect customer's accounts;
• To identify additional products or services that may be of value to our customers; and
• To help us identify and avoid potential risks or losses to CapStone Bank.

We have established procedures and controls to ensure that information used is accurate, current and complete in accordance with commercial standards. Our procedures are designed to correct inaccurate information in a timely manner whenever it is discovered. We request that you notify us in writing of any changes in your personal information (i.e. address, phone, etc.).

Access to your personal information is only available to those employees with a legitimate need to know. Employees are trained to handle all information in a confidential manner. All employees must adhere to our Code of Ethics as a requirement for continued employment.

CapStone Bank will make every reasonable effort to maintain the highest level of security against any unauthorized access to your financial information. In this regard we will use tight security procedures, employee training and technology.

We do not disclose information about you or your account(s) to others except for information furnished to consumer-reporting agencies or other agencies that have legitimate and lawful purposes and are authorized by law to receive the information.

The following exceptions are necessary in order to conduct normal business:

• The customer has requested or authorized the disclosure,
• The disclosure is required by or allowed by law, Examples are: subpoenas and the investigation of fraudulent activity.

CapStone Bank contracts with outside companies to provide certain specific services. To ensure the confidentiality of your personal information, we require these companies to adhere to the same Privacy Principles adopted by CapStone Bank. These companies are strictly prohibited from using the information for their own benefit, or allowing any other party to access the information.

Personal information is not collected or recorded upon visiting our website unless you logon to Internet Banking. In the event you send us an email or feedback form, we will retain the information necessary to respond to you.

We may collect information about the number of visitors to the different pages and sections of our website to help us evaluate the site and make it more useable and effective. This information does not identify individuals, but is simply numerical data.

You can help us maintain the security of your banking information by not sharing your ID or password with anyone, by changing your password regularly, and by remembering to sign off after an Internet Banking session.

We will use all reasonable care to safeguard and protect the information about our customers. We will use all personal information for business purposes only to identify you, to communicate with you, to help answer your questions, and to conduct transactions with you.

For additional information about confidentiality and customer privacy, please visit or write to us at CapStone Bank, P. O. Box 19047, Raleigh, NC 27619; call US at (919) 256-6800 or visit our website at www.capstonebank.com