At First National Bank of Central Florida, building and maintaining a strong personal relationship with you is the foundation of everything we do. The privacy of the financial information you share with us is of the utmost importance. We've prepared this brochure to explain our policy for protecting your information.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean First National Bank of Central Florida.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

We first define some terms.

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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
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. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

Information you give us on applications or other forms
Information about your transactions with us, our future affiliates, or others
Information from a consumer reporting agency
Information we receive as a result of verifying customer information

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We have the same policy about disclosing information about former customers as we do about current customers.

YOUR INFORMATION AND AFFILIATES - FUTURE CHANGES

In the future, we may disclose information about you to affiliates, even though we are not doing so now. Here are the kinds of information we may disclose to our affiliates:

Transaction and experience information from our account records:
Information about your transactions and experience with us, such as:

• Name
• Address
• Account balances
• Account activity
• Types of accounts
• Parties to the transaction
• Payment history
• Deposit history
• Social security number
• Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
• Types Of Affiliates

We may disclose information about you in the future to the following types of affiliates:

Financial service providers, such as:
Mortgage bankers
Securities broker-dealers
Insurance agents
Reasons For Disclosure

We may disclose information about you to our affiliates in the future to provide you with information about additional products and services.

First National Bank of Central Florida remains committed to protecting our customers' most personal information, and we will continue to utilize the most effective means available to ensure that your financial data remains secure. For more information about our privacy practices, write to us at:

First National Bank of Central Florida
P.O. Box 8000
Winter Park, Florida 32790-8000
Attn: Customer Service

Member FDIC