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Privacy Policy

Rev. January 2011

Facts

WHAT DOES Capitol National Bank DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and Income
  • Account Balances and Transaction history
  • Assets and Credit history

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Capitol National Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Capitol National Bank share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes – information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes – information about your creditworthiness No We don’t share
For nonaffiliates to market to you No We don’t share
Questions? Call (517) 316-0180 or go to www.capitolnational.com
What We Do

How does Capitol National Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We restrict access to your personal information to our employees who need the information to properly service your account(s), act upon your requests, or to provide you products or services.

How does Capitol National Bank collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies with a common ownership by Capitol Bancorp Limited. For a listing, please see "Our Affiliates" at www.capitolbancorp.com.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Capitol National Bank does not share with nonaffiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partner(s) include a broker-dealer. However, no information, including contact information, is shared with this broker-dealer until we obtain your permission.
Other important information

California Residents: Information sharing for the purpose of joint marketing, as described above, will not be done without first obtaining your written authorization.