Privacy Notice

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.

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
• Employment information and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

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 Bay Cities Bank chooses to share; and whether you can limit this sharing.

For our everyday business purposes –
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes –
to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes –
information about your transactions and experiences

For our affiliates’ everyday business purposes –
information about your creditworthiness

For our nonaffiliates to market to you

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

We collect your personal information, for example, when you

• open and account or apply for a loan
• pay your bills or deposit money
• use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes – information about your creditworthiness
• affiliates from using your information to market to you
• sharing for non-affiliates to market you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include our holding company, Florida Business BancGroup, Inc.

• Bay Cites Bank does not share with nonaffiliates so they can market to you.

• Bay Cities Bank does not jointly market.