Capital City Bank
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 Capital City Bank Privacy Notice

Our Commitment. At Capital City Bank, the basis of each customer relationship is trust. You have chosen to do business with Capital City Bank, and we are committed to honor that relationship with great care, beginning with the information you have chosen to share with us. We respect the privacy of our customers and are committed to treating customer information responsibly. We want you to understand what information we collect and how we use it. The following serves as a standard for all Capital City Bank associates for collection, use, retention, and security of nonpublic individual customer information.

Security Procedures. At Capital City Bank, we believe the confidentiality and protection of customer information is one of our most important responsibilities. We value your trust and handle information about you with care. We limit access to your nonpublic personal information to those associates with a business reason to know that information. Our associates are bound by a code of ethics requiring confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.

We safeguard your information by maintaining physical, electronic and procedural safeguards that comply with federal standards. We continually assess new technology for protecting information. Our associates are trained to understand and comply with these information principles.

Information We Collect. We collect and retain information about you only when we reasonably believe that the information will assist us in managing your accounts and services, and in providing products, services and other opportunities to you. One of the main reasons we collect information is to protect your account and to identify you when we conduct transactions with you.

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

Information you provide to us on applications or other loan and account forms, such as your name, address, social security number, assets, and income.

Information about your transactions and account experience with us, such as your account balance, payment history, and parties to transactions or information about our communication with you, such as a request for a copy of a check and our response.

Information from a consumer report, such as information regarding your creditworthiness or credit history.

Information from other outside sources regarding their employment, credit or other relationship with you or verifying representations made by you, such as your employment history, loan or credit balances, or your property insurance coverage.

Information We Disclose. We do not disclose any nonpublic personal information about our customers or former customers to any affiliates or to any third parties, except as necessary to provide Capital City Bank services or as permitted by law. We do not sell or share customer information to unrelated third parties for the third parties to use for their own purposes. We do share information with companies that work for us. These companies may include financial service providers such as insurance companies and payment processing companies, and nonfinancial companies that print checks for us, mail customer statements or letters or provide data processing services. In addition, we may share customer information with companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. Those third parties contractually agree not to use the information for any other purpose. We are permitted under law to disclose nonpublic personal information about you to our affiliates and third parties in certain circumstances. For example, we may provide information:

          When you authorize us to release information.

          To consumer reporting agencies as permitted under the Fair Credit Reporting Act.

To other parties when it is necessary or helpful in completing a transaction you initiate, including other
        financial institutions and networks involved in processing your transactions.

          To comply with a law, regulation, court order or subpoena.

          In response to an inquiry about whether a check you have written will clear.

To local, state and federal authorities if we believe a crime may have been committed involving your account.

          To our independent auditors, consultants or attorneys and to agencies that regulate us.

Important Notice About Credit Reporting
We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.

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

The policies described in this disclosure are subject to change, but we will communicate any significant changes to you as required by applicable law. The policies described in this disclosure replace all previous notices or statements regarding this subject.


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