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CapitalMark Employs ACH COPS to Protect Business Clients

Chattanooga, TN – March 3, 2011 - CapitalMark Bank & Trust announced today the company entered into an agreement with Chattanooga-based technology provider ACH Alert to provide banking clients added protection against fraud on ACH credit entries. CapitalMark first partnered with ACH Alert in 2010 to provide clients with added protections against unauthorized incoming unauthorized ACH debits. When ACH Alert announced its newest service, ACH COPS (Credit Origination Positive-Pay Service), CapitalMark quickly responded becoming one of the first financial institutions in the nation to offer the revolutionary credit origination positive-pay service with out-of-band authentication.

Corporate Account Takeover, Man in the Browser and Man in the Middle are terms used to describe a new type of fraud taking shape. Businesses across the country are being randomly targeted by fraudsters who infiltrate computers to view and record the sites visited capturing financial data keyed by the customer. The fraudsters steal the business' login credentials and access the online banking application posing as the client. The fraud is perpetrated when the criminal manipulates existing ACH batches or creates new batches to direct funds out of the business' account. A financial institution already employing industry "best practices" would have no reason to believe the transactions were not originated by their client, when online banking ID and passcodes are correctly used. Until now the technology available to protect against such attacks has been limited.

R. Craig Holley, CapitalMark's Chairman, President and CEO, stated: "We are pleased to invest in this added technology to underscore our on-going commitment to work closely with our clients as a trusted partner, placing barriers to fraudulent attacks against the businesses we serve."

Deborah Peace, CEO of ACH Alert, stated: "Once again CapitalMark Bank has demonstrated a proactive commitment to protect their business clients by adopting ACH COPS, a state-of-the-art, simple-to-use technology. While some banks have reverted to having their Originators fax in paper transmittals or be subjected to yet another authentication process when they Originate ACH entries...CapitalMark opted to adopt new technology to counter the threat and eliminate administrative burden or major expense to their business clients who originate ACH credits."

About CapitalMark Bank & Trust

CapitalMark Bank & Trust offers a wide range of banking and trust services to businesses and individuals. Founded March 5, 2007, CapitalMark has locations in Chattanooga and Knoxville. Additional information about CapitalMark and its full line of products and services can be found at www.capitalmark.com.

About ACH Alert

ACH Alert provides innovative fraud detection services to financial institutions of all sizes, enabling them to grant control of the pay/no pay decision on electronic transactions, where it can best be managed, with the depositor and originator. With over 20 years of industry experience, the founders of ACH Alert have long been dedicated to assisting financial institutions in mitigating risk associated with electronic payments. For more information, visit www.achalert.com

Statements made in this press release, other than those concerning historical information, should be considered forward-looking and subject to various risks and uncertainties. Such forward-looking statements are made based upon management's belief as well as assumptions made by, and information currently available to, management pursuant to "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. Our actual results may differ materially from the results anticipated in forward-looking statements due to a variety of factors, including governmental monetary and fiscal policies, deposit levels, loan demand, loan collateral values, securities portfolio values, interest rate risk management, the effects of competition in the banking business from other commercial banks, thrifts, mortgage banking firms, consumer finance companies, credit unions, securities brokerage firms, insurance companies, money market funds and other financial institutions operating in our market area and elsewhere, including institutions operating through the Internet, changes in governmental regulation relating to the banking industry, including regulations relating to branching and acquisitions, failure of assumptions underlying the establishment of reserves for loan losses, including the value of collateral underlying delinquent loans, and other factors. We caution that such factors are not exclusive. We do not undertake to update any forward-looking statement that may be made from time to time by, or on behalf of, us.

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