Florida Capital Bank, N.A. (FLCB) places the highest degree of importance in keeping our customers’ private information confidential.  We recognize and respect the expectation of privacy of our customers. This Privacy Notice outlines how we treat our customers’ most sensitive information in order to maintain the trust that is needed for an ongoing, long-term relationship.

Florida Capital Bank’s Privacy Notice is developed for compliance with Regulation P, Privacy of Consumer Financial Information.  This Federal law uses several terms that are specific to this regulation, and we need to explain them so that you fully understand our Privacy Notice:

• We, our, and us, when used in this Privacy Notice, means FLCB.
• You and your, when used in this Privacy Notice, means our customers, including deposit, loan, credit card, or safe deposit box customers.
• Customer means a consumer who has a continuing customer relationship with our bank.  It does not mean a consumer who obtains a financial product or service only in isolated transactions, such as to use our ATM machine or to purchase a bank money order, Cashier’s Check, or traveler’s check.
• Affiliate means any company that controls, is controlled by, or is under common control with another company.
• Nonaffiliated third party is a company that is not an affiliate of ours.
• Nonpublic personal information means any personally identifiable financial information that you provide to us to obtain a financial product or service.  This type of information does not include information that is available from a public source, such as a telephone book or government records.

The privacy information that follows explains to you how we handle your personally identifiable financial information and describes the conditions under which FLCB may disclose nonpublic personal information about you to nonaffiliated third parties.

CATEGORIES OF INFORMATION FLCB COLLECTS
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;
• Information from outside sources regarding your credit, employment and other relationships.

CATEGORIES OF INFORMATION FLCB DISCLOSES AND PARTIES TO WHOM THE BANK DISCLOSES
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

CONFIDENTIALITY AND SECURITY
FLCB restricts access to nonpublic personal information about you to only 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.

FLCB AFFILIATES
FLCB is a wholly-owned subsidiary of Florida Capital Group, Inc., a bank holding company.

OUR PLEDGE TO YOU
FLCB is committed to preserving your trust and to protecting your privacy.  FLCB will be ever diligent in safeguarding your information.  This is our pledge to you.  You are our valued customer, and we will always respect your right to financial privacy.

If you have any questions relating to this policy, please contact us by mail at: Florida Capital Bank, N.A., P.O. Box 551390, Jacksonville, FL 32255-1390 or by phone: 1 (800) 318-3159.