At the First National Bank of South Miami we recognize the importance of respecting your privacy and maintaining your trust. The following Privacy Notice is provided to help you understand the measures we take to protect both the financial and personal privacy of our consumer customers. Whenever possible, we have tried to present this information in simple, uncomplicated language. However, we are required to user certain legal terms and have made a sincere effort to explain these terms.

Information We Collect
We collect nonpublic personal information about you, from the following sources:

• Information we receive from you on application or other forms;
• Information about your transaction with us or others; and
• Information we receive from a consumer reporting agency

Information We Share
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. Therefore, you do not need to opt-out of information sharing. We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist in servicing your loan or account with us, or to government entities in response to subpoenas.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Protecting Your Personal Information
We take safeguarding your privacy seriously. We restrict access to your personal and account information to those employees and agents who need to know that information to provide products or services to you. The First National Bank of South Miami maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Thank you for your business and the trust you place in the First national Bank of South Miami.

Effective December 1, 2005