At BAC Florida Bank we recognize the high value you place on your privacy. We are committed to respect that privacy and to protect the privacy of non-public information which you provide to us or which we may gather from other sources. 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.

We extend this privacy protection to all of our consumer customers who have a continuing relationship with us, such as:

• Deposit account
• Loan Account
• Credit Card
• Safe deposit box
• Self-directed Individual Retirement Account where we act as custodian or trustee
• Financial, investment, or economic advisory services (for a fee)
• Home mortgage brokerage
• Internet Banking

The information that we collect

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
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a customer reporting agency
• Information from a customer survey

The confidentiality, security, and integrity of your non-public personal information

We restrict access to nonpublic personal information about you to those employees who need to know that information in order 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.

We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

Non-public personal information and former customers

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

Non-public personal information and affiliates - future changes

We disclose nonpublic personal information about you to affiliates. 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 ownership that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. Here are the kinds of nonpublic personal 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
  • Type of accounts
  • Payment History

Federal law allows us to disclose the information listed above with our affiliates and we do so where it is required to provide you service or to offer you additional products. Because of this you do not have a right to opt out of the disclosure of this information. Opt out means to prevent our sharing of this information.

We also share other information not taken from transactions and experience. This is nonpublic personal information we receive from you on an application or other forms such as:

• Name
• Address
• Assets
• Demographics

You may opt out of the disclosure of the information listed above.

Types of Affiliates

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

• Financial services providers, such as :
  • Mortgage bankers
  • Securities broker-dealers
  • Insurance agents
  • Other banks

Where we engage the services of a financial services provider to provide services to the bank or to you we require confidentiality agreements.

Your right to block the disclosure of your nonpublic personal information

By law we are permitted to disclose nonpublic personal information about our transactions or experiences with you to affiliates in the future. We may also disclose other nonpublic personal information to our affiliates (that is, nonpublic personal information beyond our transactions and experiences with you), unless you tell us not to disclose this other nonpublic personal information. Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.

If you have a joint account, each participant of this account has a separate right to opt out. If one of you chooses to opt out of the disclosure of nonpublic personal information and another does not, only information regarding the party who does not opt out will be disclosed. Any participant on the account can opt out on behalf of any other participant of the account.

If you wish to opt out of disclosures, you may do so by :

• Completing and sending the electronic version of the form which can be obtained at by clicking here