BNC Bank does not provide, and is not responsible for, the product, service, or overall website content available at the Cardview Online website. BNC Bank's privacy policy does not apply to this site. Once on the site select “Policy” for details on Cardview Online's current privacy policy.

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BNC Bank does not provide, and is not responsible for, the product, service, or overall website content available at the RewardsNOW website. BNC Bank's privacy policy does not apply to this site. Once on the site select “Policy” for details on RewardsNOW's current privacy policy.

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BNC Bank does not provide, and is not responsible for, the product, service, or overall website content available at the Re$ubmitIt website. BNC Bank's privacy policy does not apply to this site. Once on the site select “Policy” for details on Re$ubmitIt's current privacy policy.

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FACTS: WHAT DOES BANK OF NORTH CAROLINA 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
Account balances
Payment history
Transaction or loss history
Credit history
Wire transfer instructions

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 Bank of North Carolina chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Bank of North Carolina 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	None
For our marketing purposes - to offer our products and services to you	NO	We don't share
For joint marketing with other financial companies	NO	We don't share
For our affiliates' everyday business purposes – information about your transactions and experiences	NO	We don't share
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 toll-free (800) 262-7175

WHAT WE DO.
How does Bank of North Carolina 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Bank of North Carolina collect my personal information?	We collect your personal information, for example, when you Open an account Make deposits or withdrawals from your account Apply for financing Give us your contact information Make a wire transfer 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.

DEFINITIONS
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Bank of North Carolina does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Bank of North Carolina 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. Bank of North Carolina doesn't jointly market.

South Carolina Locations

Greenville, Litchfield, Myrtle Beach, North Myrtle Beach, Pineland Station, Surfside Beach, The Village at Wexford

North Carolina Locations

Archdale, Asheville, Boone, Brevard, Concord, Greensboro, Harrisburg, Hendersonville, High Point, Kernersville, Lexington, Maggie Valley, Mooresville, N. Davidson, Raleigh, Salisbury, Thomasville, Winston-Salem

Friendly Reminder: BNC Bank will not solicit you
for passwords, account numbers or other personal information
via email, telephone or other.