Florida Citizens Bank - Privacy Policy

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YOUR 7AM TO 7PM BANK Same Day Credit on Deposits - No 2:00 Cut-Off Time!!

YOUR PRIVACY IS IMPORTANT TO US

You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

WHY AND HOW WE COLLECT PERSONAL INFORMATION

We collect personal information about you for business purposes, such as evaluating your financial needs, processing your requests and transactions, informing you about products and services that may be of interest to you, and providing customer service. The personal information we collect about you includes:

Information you provide us on applications, and other forms (such as your name address, social security number, occupation, assets, and income)
Information about your transactions with us, and others
Information we receive from consumer reporting agencies (such as your credit history and creditworthiness) and other entities not affiliated with Florida Citizens Bank

SHARING INFORMATION WITH OUR AFFILIATES

We may share the personal information described above with our affiliates for business purposes such as servicing customer accounts and informing customers about new products and services and as permitted by law. An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. INFORMATION WE DISCLOSE ABOUT YOU. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. We may disclose personal information with non-affiliated companies and regulatory authorities as permitted. For example, we may disclose personal information to cooperate with regulatory authorities and law enforcement agencies as necessary to protect our rights or property. Also, we may disclose personal information with companies under contract to perform services for us on our behalf (such as vendors providing data processing services, computer software maintenance and development, and transaction processing).

HOW WE PROTECT PERSONAL INFORMATION

We limit access to your personal information to those employees who need to know in order to conduct our business, service your account, and help you accomplish your financial goals. Our employees are required to maintain and protect the confidentiality of your personal information and must follow established procedures to do so. To comply with applicable laws and regulations, we maintain physical, electronic, and procedural safeguards to protect your personal information. Maintaining the privacy of your personal information is very important to us. We want you to know how much we appreciate the confidence you have placed in Florida Citizens Bank. If you should have questions regarding our customer privacy policies or procedures, please call or visit one of our convenient locations.

Florida Citizens Bank is participating in the FDIC's Transaction Account Guarantee Program (TAG). Under that program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

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