This statement pertains to individual customers of First State Bank’s family of companies.  Our privacy statement is specifically designed for the protection of customers or individuals obtaining a financial product or service from us for primarily personal, family or household purposes.  This privacy statement covers Capitol Bankshares, Inc. and it’s subsidiary First State Bank.

INFORMATION WE COLLECT ABOUT YOU

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, our affiliates, or others,
  • Information we receive from a consumer-reporting agency.
  • Information about your transactions with nonaffiliated third parties.

 NO DISCLOSURES OUTSIDE OF EXCEPTIONS

  • We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

SERVICE PROVIDERS AND JOINT MARKETERS

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements: 

  • Information necessary to provide the services that you request, such as automated teller machines, point of sale transaction cards, check providers, mortgage bankers, and credit life or accident and health insurance providers.
  • Information necessary to complete your transaction, or to verify the existence and condition of your account upon the request of a third party.  We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

 CONFIDENTIALITY AND SECURITY

We restrict access of your nonpublic personal information to only those employees who need to know that information to provide products or services to you.

 We may report information about your account to credit bureaus.  Late payments, missed payments or other defaults on your account may reflect in your credit report.

 We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.  Maintaining the confidentiality of the information you entrust with us is a responsibility that we take seriously.  If you have additional questions about privacy, please contact our Compliance Officer at (830)626-7766 or the Branch Manager at one of our First State Bank locations.

 HOW TO FILE A COMPLAINT

We are chartered, licensed and/or registered under the laws of the State of Texas and by state law are subject to regulatory oversight by the Texas Department of Banking.  Any consumer wishing to file a complaint against the First State Bank, including concerns about the sale of check activities, you should first contact American Express and if further complaints exist, then contact the Texas Department of Banking through one of the means indicated below: 

  • In Person or by U.S. Mail:     2601 North Lamar Boulevard, Suite 300, Austin, TX 78705-4294
  • By telephone:                      877-276-5544
  • By Fax:                                512-475-1313
  • By E-Mail:                            consumer.complaints@banking.state.tx.us
  • Via the Internet Website:    www.banking.state.tx.us

NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS

 As with all financial transactions, please exercise discretion when using an ATM or night deposit facility.  For your own safety, be careful.  The following suggestions may be helpful.

  1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
  2. Mark each transaction in your account record, but not while at the ATM or night deposit facility.  Always save your ATM receipts.  Don’t leave them at the ATM or night deposit facility because they may contain important account information.
  3. Compare your records with the account statements you receive.
  4. Don’t lend your ATM card to anyone.
  5. Remember, do not leave your card at the ATM.  Do not leave any documents at the night deposit facility.
  6. Protect the secrecy of your Personal Identification Number (PIN).  Protect your ATM card as though it were cash.  Don’t tell anyone your PIN.  Don’t give anyone information regarding your ATM card or PIN over the telephone.  Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner.  Don’t write your PIN where it can be discovered.  For example, don’t keep a note of your PIN in your wallet or purse.
  7. Prevent others from seeing you enter your PIN by using your body to shield their view.
  8. If you lose your ATM card or if it is stolen, promptly notify us.  You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
  9. When you make a transaction, be aware of your surroundings.  Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset.  At night, be sure that the facility (including the parking area and walkways) is well lighted.  Consider having someone accompany you when you use the facility, especially after sunset.  If you observe any problem, go to another ATM or night deposit facility.
  10. Don’t accept assistance from anyone you don’t know when using an ATM or night deposit facility.
  11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave.  You might consider using another ATM or coming back later.
  12. Don’t display your cash; pocket it as soon as the ATM transaction in completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
  13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver’s window.  Keep the engine running and remain alert to your surroundings.
  14. We want the ATM and night deposit facility to be safe and convenient for you.  Therefore, please tell us if you know of any problem with a facility.  For instance, let us know if a light is not working or there is any damage to a facility.  Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

Our Customer Privacy Principles

At First State Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with First State Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to 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 our privacy policy enables us to do both.

Recognition of Your Expectation of Privacy

At First State Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust.  Thus, the safekeeping of customer information is a priority for First State Bank.

Our Maintenance of Accurate Information

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us.  We will investigate your concerns and correct any inaccuracies.

Disclosing Our Privacy Commitment to You

At First State Bank, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy.  If you have any questions about how First State Bank protects your confidential information, please call your local branch or contact us by using the e-mail reply function located on our Web page.

These Privacy Principles apply to individuals.  We reserve the right to change them, along with related provisions, at any time.

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