California Residents - Privacy Policy

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

• Payment history and transaction history

• Credit history and overdraft history

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 First National Bank of Pasco chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First National Bank of Pasco share?

Can you 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

Yes

No

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

Yes

No

For joint marketing with other financial companies

Yes

Yes

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

No

We don't share

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

No

We don't share

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

Yes

Yes

To limit our sharing

• Visit us online: https://fnbpasco.com/privacy-policy or

• Mail the form below or

• Call (352) 521-0141

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call (352) 521-0141 or go to https://fnbpasco.com/privacy-policy

WHAT WE DO

How does First National Bank of Pasco protect my personal information?

To protect your 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 First National Bank of Pasco collect my personal information?

We collect information, for example, when you:

• Open an deposit account or deposit money or apply for a loan

• Give us your income information or provide employment information

• Give us your contact information

• Use your credit or debit card

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

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 creditworthiness

• Affiliates from using your information to market to you

• Sharing for nonaffiliates to market to you

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

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account—unless you tell us otherwise.

DEFINITIONS

Affiliates

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

• Our affiliates include companies with a direct ownership connection to First National Bank of Pasco or our holding company, Florida Bancshares, Inc. This also includes trademarked names under the Bank such as FirstFin Credit.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Nonaffiliates we share with can include financial services companies such as banks and other lending institutions.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include financial services companies

OTHER IMPORTANT INFORMATION

California law gives you the right to opt out of certain sharing. Please see the enclosed notice entitled “Important Privacy Choices for Consumers.”