At Community Capital Bank, your privacy is important to us. We only collect and use the information we need to deliver the high level of customer service you have come to expect, including informing you about products, services and other opportunities that may be of benefit to you. This notice describes the information we collect from you and how we may provide that information to other companies within the CCB Financial Corporation (“affiliates”).

At Community Capital Bank, the basis of each customer relationship is trust. You have chosen to do business with us and we are obligated to honor that relationship with great care, beginning with the information you share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

The following policy serves as a standard for all Community Capital Bank employees for collection, use, retention, and security of nonpublic personal information. “Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance or credit history.

What Information We Collect

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

• Information we receive from you on applications or other loan and account forms;
  
• Information about your transactions with Community Capital Bank, our affiliates, or others;
  
• Information we receive from third parties such as consumer reporting agencies; and
  
• Information obtained at your request.

What Information We Disclose

We are permitted under law to disclose nonpublic personal information about you to affiliates and nonaffiliated third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to consumer reporting agencies. We do not disclose any nonpublic personal information about you to anyone else, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.