CAPITAL BANK & TRUST COMPANY
INTERNET PRIVACY POLICY

When you provide us with information, you can be sure that we will hold that information in strict confidence. We recognize and respect your expectation that privacy be protected.

We may share information with an outside company that assists us in providing customers with our products and services. These companies act on our behalf and are also obligated to keep the information that we provide them confidential. We do not share any information with other companies for them to send you non-requested marketing information.

Information may also be exchanged with consumer reporting agencies and provided when legally required or permitted in connection with litigation, fraud investigation, or an acquisition or sale.

Our employees access information about you only when needed to maintain your accounts or otherwise meet your needs. We use proven technology and established procedures for keeping your information secure. Whenever we ask for personal information on our website we use Secure Socket Layer (SSL technology) to keep it confidential.

You may visit our website to find out about products and services and marketing information without providing any information about yourself. We do gather data regarding visits to our website, including domain name, pages visited, length of user session, etc., to evaluate the usefulness of our site.

We may use a software "cookie" when accessing our website. No "cookie" will contain any information that would enable anyone to contact you via telephone, email, or U.S. Mail. (A "cookie" is a small piece of information, which a website stores in the web browser of your PC and can later retrieve. A website other than the one that set the "cookie" cannot read a "cookie". You can set your Web browser to inform you when "cookies" are set or to prevent "cookies" from being set.)

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

We take appropriate steps to keep our information accurate and up to date. If you ever notice that your information is not complete, accurate or current please contact us to let us know. We will correct the information as quickly as possible.

If you believe that we have not complied with our Information Practices, you may contact us and we will investigate and respond to your concern.

Capital Bank & Trust Company is committed to continue to provide quality products and services with our high level of integrity regarding personal privacy.

CAPITAL BANK & TRUST COMPANY
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Capital Bank & Trust Company. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:

- Deposit account
- Loan account
- Safe deposit box
- Financial, investment, or economic advisory services (for a fee)

We will tell you the sources for nonpublic personal information we collect on our customers. 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.

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 company that is not an affiliate of ours.

The Information That We Collect

We collect nonpublic personal information about you from the following sources:

- Information we receive from you on applications or other forms
- Information about your transactions with us
- Information about your transactions with our affiliates
- Information about your transactions with nonaffiliated third parties
- Information from a consumer reporting agency

The Confidentiality, Security, and Integrity of Your Nonpublic Personal Information
We restrict access to nonpublic personal 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 that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information and Nonaffiliated Third Parties
We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

Nonpublic Personal Information and Former Customers
We do not disclose nonpublic personal information about former customers, except as permitted by law.