Why?           Financial companies choose how they share your personal information.   
                         Federal law gives consumers the right to limit some but not all sharing. 
                         Federal law also requires us to tell you how we collect, share, and protect 
                         your personal information.  Please read this notice carefully to understand 
                         what we do. 
What?        The types of personal information we collect and share depend on the 
                         product or service you have with us.  This information can include: 
                           ♦ Social Security Number and Income 
                           ♦ Account Balances and Payment History 
                           ♦ Credit History and Employment Information 
                        When you are no longer our customer, we continue to share your 
                        information as described in this notice. 
How?         All financial companies need to share customers' personal information to run 
                       their everyday business.  In the section below, we list the reasons financial 
                       companies can share their customers' personal information; the reasons 
                       Florida Citizens Bank chooses to share; and whether you can limit this sharing. 
Reasons we can share your personal information     Does Florida Citizens         Can you limit   
                                                                                         Bank share?                       Sharing? 
For our everyday business purposes - such as to 
process your transactions, maintain your account(s),                  Yes                                  No 
respond to court orders and legal investigations, or 
report to credit bureaus  
For our marketing purposes - to offer our products               No                           We don't share 
and services to you.  
For joint marketing with other financial companies           No                           We don't share 
For our affiliates' everyday business purposes -               No                           We don't share 
information about your transactions and experiences  
For our affiliates' everyday business purposes -              No                           We don't share 
information about your creditworthiness 
For non-affiliates to market to you                                   No                           We don't share 
Questions? Call 352-332-4727 or go to www.floridacitizensbank.com or 
Who we are 
Who is providing this notice?                                 Florida Citizens Bank 
What we do 
How does Florida Citizens Bank protect my             To protect your personal information 
personal information?                                                from unauthorized access and use, we  
                                                                                  use security measures that comply with  
                                                                                  federal law.  These measures include 
                                                                                  computer safeguards and secured files 
                                                                                  and buildings. 
How does Florida Citizens Bank collect my           We collect your personal information, 
personal information? for example, when you: 
                                                                                                             ♦ open an account or apply for a loan 
                                                                                  ♦ provide account information or  
                                                                                      provide employment information 
                                                                                  ♦ provide us with information regarding          
                                                                                          your income 
Why can't I limit all sharing?                          Federal law gives you the right to limit only:                                                   
                                                                                  ♦ sharing for affiliates' everyday 
                                                                                      business purposes - information 
                                                                                      about your credit worthiness 
                                                                                  ♦ affiliates from using your information 
                                                                                      to market to you 
                                                                                  ♦ sharing for non-affiliates to market to 
                                                                                  State laws and individual companies  
                                                                                  may give you additional rights to limit  
Affiliates                                          Companies related by common ownership or control.   
                                                          They can be financial and non-financial companies. 
                                                          ♦ Florida Citizens Bank has NO affiliates 
Non-affiliates                                   Companies not related by common ownership or control.        
                                                         They can be financial and non-financial companies. 
                                                         ♦ Florida Citizens Bank does NOT share with non-affiliates 
                                                         so they can market to you. 
Joint Marketing                             A formal agreement between non-affiliated financial 
                                                         companies that together market financial products or 
                                                         services to you. 
                                                         ♦ Florida Citizens Bank does NOT jointly market 
Other important information 
- Florida Citizens Bank will tell you at least 60 days in advance and provide you with a written opportunity to 
"opt out" if we decide to share your personal information under any joint marketing agreements. 
- To help protect your personal information at home, be sure to shred sensitive documents, keep anti-virus programs on your computer up-to-date, and always keep your passwords confidential. 
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