Your Financial Privacy Rights

Your privacy is important to us. The following is our financial privacy notice that applies to all our customers. Please note that when we use the words "you" and "your," we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:
• Deposit account
• Loan account
• Credit Card
• Safe Deposit Box
• Financial, investment, or economic advisory services (for a fee)

This notice promises that we will tell our customers the sources for any nonpublic personal information we collect on them. We will also tell you what measures we take to secure that information.

First, let's define some terms.
• WE, OUR, and US means the Bank of North Carolina.
• NONPUBLIC PERSONAL INFORMATION means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
• An AFFILIATE is a company we own or control, a company that owns or controls us, and a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
• A NONAFFILIATED THIRD PARTY is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT
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
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

We do not disclose any nonpublic personal information about you to anyone, except as authorized by law.

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those employees
who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THRID PARTIES
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers.

If you have any questions about your financial privacy or how information is obtained,
please contact us:

BANK OF NORTH CAROLINA
P.O. BOX 1148,
THOMASVILLE, NC 27361-1148
(336) 476-9200

MEMBER FDIC
Bank of North Carolina does not provide, and is not responsible for, the product, service, or overall website content available to you at any website that is linked to the Bank of North Carolina website. Bank of North Carolina's privacy policy does not apply to any third party site. Once on any third party site, select 'Privacy Policy' for details on their current privacy policy.

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