Customer Internet Banking Privacy Policy

Our Privacy Commitment to You

At First America Bank, we recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customersÍ information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customersÍ personal information, as well as personal information of all consumers who visit our institution and website. We have prepared this policy to explain what types of information we collect, how we use it, and under what circumstances we may share it. We want you to know that we use information we know about you responsibly to:

• Provide you with the services you have requested;
• Offer you other bank products and services;
• Alert you to financial products and services made available by our carefully selected marketing partners.

We want the customer to understand the commitment to privacy this bank makes in our use of customer information. As a result of this commitment, we have developed this "Privacy Rights" information that is readily available to all of our customers. We will provide notice of our "Privacy Rights Policy" annually, as long as you maintain an on-going relationship with us. We reserve the right to change this "Privacy Rights Policy" at any time. You will be advised of any changes. You can always review our current policy by contacting us for a copy. Customers who have questions regarding this information or questions regarding their customer information should contact First America Bank at (941) 761-7080 or e-mail us at webmaster@firstamericabank.com.

Confidentiality and Security of 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 standards to guard your nonpublic personal information.

Nonpublic Personal Information 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, our affiliates, or others
• Information we receive from a consumer reporting agency

Nonpublic Personal Information We Disclose

We may disclose the following kinds of nonpublic personal information about you:

• Information we receive from you on applications or other form as such as your name, address, social security number, assets, and income.
• Information about your transactions with us, our affiliates, or others, such as your account balance, payment
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

Parties to Whom We Disclose Nonpublic Personal Information

We disclose nonpublic personal information about you to the following types of third parties:

• Financial service providers, such as mortgage bankers, securities broker-dealers, and insurance agents; and
• Non-financial companies, such as retailers, direct marketers, airlines, and publishers; and
• Others, such as non-profit organizations.

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Joint Marketing/Service Provider Disclosure

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income; and
• Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage; and
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

Fair Credit Reporting Act Information. Sharing Opt Out

Under the Fair Credit Reporting Act, we have a right to share information regarding our transactions or experiences with you. Unless you instruct otherwise, we also have the right to share any other information about you with our affiliates (persons related by common ownership or affiliated by corporate control, now or in the future) either directly or indirectly. This other information may include, but is not limited to, application information, credit reports from a consumer reporting agency, and any other information we have about you. If you do not want us to share this other information with our affiliates you may utilize the opt out method set forth below.

Opt Out Information

Financial Products or Services to Which Your Opt Out Applies

If you elect to opt out of information sharing we will treat that opt out as applying to all financial products or services that you have obtained from us in the past or that you may obtain from us in the future.

You do not have to take any action to prevent us from selling your information because we do not sell customer information to anyone.

Your Right to Opt Out of Information Sharing. If you prefer that we not disclose nonpublic personal information about you or information not solely related to transactions or experiences with you to affiliated or nonaffiliated third parties, you may opt out of those disclosures, that is you may direct us not to make those disclosures (other than disclosures permitted by law).

Each joint account holder may opt out separately or any one of you may opt out on behalf of all joint account holders.

You may notify us of your intention to opt out of affiliate and nonaffiliated sharing by utilizing the following method.

How to Opt Out of Information Sharing. To opt out of sharing information with nonaffiliated third parties, please complete and return the Notice of Intent to Opt Out - Nonaffiliated Third Parties to the following address: First America Bank, PO Box 470, Bradenton, FL 34206. To opt out of sharing information with our affiliated companies, please complete and return the Notice of Intent to Opt Out - Affiliated Companies to the following address: First America Bank, PO Box 470, Bradenton, FL 34206.

If we do not receive notice of your intent to opt out within 30 days of delivery of this notice to you, we are authorized to disclose information about you to our affiliated companies or to nonaffiliated third parties, in accordance with our privacy policies and procedures.

Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies. Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracies should be sent to us at the following address: First America Bank, PO Box 470, Bradenton, FL 34206.