Introduction

At Capital Bank, we take the privacy and security of your personal information seriously. We are committed to protecting your privacy and ensuring that your personal information is kept safe and secure. This Privacy Statement explains how we collect, use, disclose, and protect your personal information when you interact with us as a customer or user of our services.

Information We Collect

We collect personal information from you when you apply for an account, use our products or services, or interact with us through our website, mobile app, or other channels. The personal information we collect may include, but is not limited to:

• Your name and contact information
• Date of birth and identification details
• Social security number or taxpayer identification number
• Account numbers and transaction history
• Other relevant financial information

How We Use Your Information

We use your personal information to:

• Provide you with our products and services
• Process your transactions and manage your accounts
• Communicate with you effectively
• Fulfill our legal and regulatory obligations
• Personalize your experience with us
• Improve our products and services
• Conduct research and analysis
• Detect and prevent fraud

Information Sharing & Security

Information Sharing: We do not sell your personal information to third parties. However, we may share your personal information with our affiliates, service providers, and other third parties as necessary to provide you with our products and services, comply with legal or regulatory requirements, or protect our rights and interests. We require these third parties to maintain the confidentiality and security of your personal information and only use it for the purposes for which it was shared.

Security Measures: We have implemented technical, administrative, and physical safeguards to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. We continuously monitor and update our security measures to ensure the confidentiality and integrity of your personal information.

Your Choices & Rights

You have choices and control over how we collect, use, and disclose your personal information:

• Choose to provide or withhold your personal information
• Manage your communication preferences with us
• Access, correct, or delete your personal information (as permitted by applicable laws)
• Opt-out of marketing communications
• Request information about how your data is being used

Updates to Privacy Statement

We may update this Privacy Statement from time to time to reflect changes in our business practices, legal requirements, or industry standards. We will notify you of any material changes to this Privacy Statement and obtain your consent where required by law.

Contact Us

If you have any questions or concerns about our Privacy Statement or how we handle your personal information, please contact us using the contact information provided on our website or through our customer service channels.

Effective Date

Effective Date: October 2, 2024

Thank you for trusting Capital Bank with your personal information. We are committed to protecting your privacy and providing you with excellent service.