NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean FLAGLER BANK

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

• All of our consumer customers who have a continuing relationship with us, such as:
• Deposit accounts
• Loan accounts
• Safe deposit boxes

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information

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.

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.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR 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 AND FORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers, except as permitted by law.

SECURITY

Security is the most important issue Flagler Bank faces in making Internet Banking available for our customers. Using industry standard security techniques ensures that your personal financial information remains confidential. Flagler Bank uses security techniques such as: Personal customer numbers, passwords, private images, pass phrases, data encryption and firewalls. These security features uniquely identify you to Flagler Bank Internet Banking and allow you to be certain that you are at the genuine Flagler Internet Banking site. It is your responsibility to keep your password secure. You will also need to use a secure browser. Certain browsers have the ability to communicate securely by encrypting the information as it passes across the Internet. This method of communication is called Secure Socket Layer (SSL). Flagler Bank requires the use of a secure browser before you connect to Internet Banking. Additionally, your information passes through a "firewall" which is a computer specifically designed to keep out unauthorized users.

E-Mail

As information sent to and from us via e-mail is not secure, we ask that you not include confidential account information in your e-mail to us, nor will we return confidential information to you via e-mail. To discuss confidential information, we ask that you contact us by telephone or in writing, or visit one of our branch offices.

Anti-virus software should be installed on your home computer and laptop to scan your e-mail and the files on your computer for potential viruses that may be attached. If a virus is detected, you are notified immediately and the anti-virus software will prevent the e-mail or file from being sent to you before it’s opened. You should run your anti-virus on a regular, frequent basis to prevent computer infection like viruses, worms, or Trojan Horses from entering your computer system. Purchase a program that automatically upgrades your virus protection on a regular basis.

Third Party Links

Flagler Bank may make available to you links to other sites on the World Wide Web. Flagler Bank believes the links contained on its pages are to reputable companies. Nevertheless, Flagler Bank makes no representations or warranties regarding non-Flagler Bank sites or the companies maintaining them. Flagler Bank does not control or monitor such websites and does not endorse the content or the use of such websites. If you choose to access non-Flagler Bank websites through links on our pages, you accept responsibility for all related links.