This statement pertains to individual customers of First State Bank family of companies. Our privacy statement is specifically designed for the protection of consumers 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 its subsidiaries such as First State Bank.

First State Bank collects the following types of nonpublic personal information about you:

  • 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
     

We may disclose all of the information that we collect, as described above. We may disclose nonpublic personal information about you to the following types of third parties:

  • Financial service providers for services that you request, such as automatic teller machine cards, point of sale transaction cards, check providers, mortgage bankers and credit life or accident and health insurance providers
  • Others as necessary to:
    • Complete transactions
    • Verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant
    • Comply with government agency or court orders

Note: This information can be disclosed to others, as appropriate, when you give us your written permission.

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.  We limit access to nonpublic personal information about you to those employees who need to know that information in order 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.  Maintaining the confidentiality of the information you entrust with us is a responsibility that we take very 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.  The First State Bank is charted under the laws of the State of Texas and by state law is subject to regulatory over site by the Texas Department of Banking.  Any consumer wishing to file a complaint against the First State Bank should contact the Texas Department of Banking.  First State Bank also engages in the business of selling checks as an agent for a company licensed under the laws of the State of Texas and subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint concerning the sale of checks should contact the Texas Department of Banking.  Consumers may file complaints with the Texas Department of Banking by contacting them through one of the means indicated below:

  • In person or by U.S. Mail at the address:

Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, TX 78705-4294

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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