Important Information of Your Privacy Rights

1st Manatee Bank is committed to safeguarding your personal information. This notice describes our privacy policy and how we handle and protect your personal information. This notice is required by the Federal Financial Privacy Law (15 U.S.C. 6801-6810).

When we use the words “you” and “your”, we mean any consumer or customer who has a continuing relationship with us, such as a deposit account, loan or credit card, safe deposit box or self-directed IRA were we act as custodian or trustee, or retail installment contract that we hold and service.

If you decide to close your account or become an inactive customer, we will continue to adhere to these privacy policies and practices.

“We”, “our”, and “us” means 1st Manatee Bank.

“Nonpublic Personal Information” means information about you that we collect in connection with providing a financial product or service to you. It does not include information that is available from public sources, such as telephone directories or government records.

The information we collect: We collect Nonpublic Personal Information about you from the following sources:

• Information you provide to us on applications and through other means, such as your name, address, assets, occupation, income and other debt;
• Information about your transactions and account experiences with us, such as your account balance, payment history, parties to and amounts of transactions;
• Information from credit bureaus or third parties regarding their relationship with you or verifying representations made by you, such as your employment history, loan or credit card balances and payment history, or your property value or property insurance coverage.

The information we disclose:

• We may share the personal information described above for business purposes with third parties;
• Companies under contract to perform services for us on our behalf, such as vendors who provide our data or transaction processing, computer software maintenance and development, insurance coverage, or marketing services;
• Financial institutions with whom we have agreements to jointly offer or endorse financial services or products, such as insurance companies or check vendors.

These parties must agree to adhere to similar privacy principles, and use the information only for the purpose provided.

We do not otherwise disclose your information unless:

• You request or authorize it (for example, if you've requested an account type that has additional club or membership benefits);
• The information is provided to help complete a transaction initiated by you (for example, to verify that your account has available funds for a person to whom you've issued a check);
• The disclosure is lawfully permitted or required (for example, to a credit bureau or in a connection with a subpoena or other legal process, a fraud investigation, enforcement of our rights, or during an audit or examination of our bank).

The confidentiality, security and accuracy of your data:

We restrict access to your nonpublic personal information to employees who need to know that information to provide products or services to you, or to maintain or service our products or services. We maintain physical, electronic, and procedural safeguards that comply with federal laws and regulations to guard your nonpublic personal information.

We endeavor to keep our customer files complete and accurate. We provide you with access to your account information through various means such as account statements, telephone banking, and Internet Banking. If you ever find that your account information is incomplete, inaccurate or not current, please call or write us at the telephone number or address listed on your account statement or other bank record. We will promptly update or correct any erroneous information.

Customers will be notified in advance of any change in the policies contained in this notice.