Privacy

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.

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
• Income
• Payment history
• Transaction history
• Credit Information
• Account Balances

When you are no longer our customer, we continue to share your information as described in this notice

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

For our everyday business purposes -
Such as to process your transactions, maintain your accounts(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

Yes

No

For joint marketing with other financial companies

Yes

No

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 non-affiliates to market to you

No

We don't share

Who is providing this notice?

First Capital Bank

How does First Capital Bank 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.

How does First Capital Bank collect my personal information?

We collect your personal information, for example, when you

• Open an account
• Apply for a loan
• Make a wire transfer
• Give us your contact information
• Pay us by check

We also collect your personal information from others, such as credit bureaus, or other companies.

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

• First Capital Bank does not share with our affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

• First Capital Bank does not share with non-affiliates so they can market to you

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include financial service providers, such as credit card issuers. Our joint marketing partners also include non-financial company service providers, such as advertising and marketing firms.

Identity Theft Assistance:
If you believe you are a victim of identity theft, contact First Capital Bank at (843) 990-7770. Contact the Social Security Administration Fraud Hotline at 1-800-269-0271. Also contact a credit reporting agency such as Trans Union at 1-800-680-7289 or Experian at 1-888-397-3742.

Please contact First Capital Bank to report a change in legal name, address or phone number.