As a First Bank of Miami customer you have the opportunity to make choices about how personal information about you may be shared and used. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives.

The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.

This notice tells you how we collect, handle, and disclose personal information about you and how you can limit this disclosure. It also tells you how you may limit our affiliates from using certain information to market their products or services to you.

If you are a joint account holder, we will accept instructions from either of you and apply them to the entire account. This notice applies to both current and former customers. We may change this notice from time to time. If we do, we will notify you as required by applicable law.

Our policy for collecting, using, sharing, maintaining accuracy, and safeguarding customer nonpublic information is as follows:

When we use the words “you” and “your” we mean the following types of customers;

All of our consumer customers who have a continuing relationship with us, such as;

• Deposit Account
• Loan Account
• Safe Deposit Box
• Self directed Individual Retirement Account

We will tell you the source of the information we collect about you. We will tell you what measures we take to secure that information.  We first define some terms.

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.

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 same company or person that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours.

The Information We Collect

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

• Information we receive from you on application or other forms, such as your name, address, social security number, assets and income;
• Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage;
• Information we receive from a consumer reporting agency such as your creditworthiness and credit history; and
• Information we receive through our Customer Identification Program.

 Information Sharing

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. For example, we are permitted by law to share nonpublic personal information about you with:

• Our affiliates such as account history and experiences and information we have received from consumer reporting agency or other third party.
• Non-Affiliated Third parties as necessary to serve your needs such as check printing services.
• Others only as permitted or required by law such as federal, state or local authorities (i.e. subpoena).

Restriction on the Disclosure of Account Information

The Fair Credit Reporting Act (FCRA) requires that we notify you of your right to ask that we do not share certain credit information with companies affiliated with First Bank of Miami. If you do not want such (i.e. Consumer Credit Reports) shared among First Bank of Miami, and its affiliates, please complete the attached Opt-Out Notice.
 
Protecting Customer Information

We restrict access to information about you to those employees who need to know that information to provide products or services to you. All employees are educated in the need for confidentiality and customer privacy. Additionally, we maintain physical, electronic, and procedural safeguards to protect this information.

Internet and Electronic Communication

Please note that we do not obtain any information about you from the WEBSITE unless you apply to the Bank for a product or service or become a customer of the Bank. If you do apply to the Bank for a product or service or become a Bank customer, Information may also be obtained from cookies. A cookie is a small file placed on your hard drive by our Web page server that is retrieved when you log onto our site again.

The cookie is used to help us serve you better by recognizing you as a customer and to automate your online experience. For example, to store your preferences for certain kinds of information or to store account information so that you do not have to input it each time you visit our site. Cookies cannot be used to reveal anything that you have not already explicitly revealed. They cannot read your hard drive, get your e-mail address or steal personal information about you. If you do not wish to receive cookies, you can set your browser to alert you of a cookie being offered, or to reject all cookies.

If you choose to contact us via email, please keep in mind that your email address, and any other information your e-mail header displays, such as your name or organization, will be revealed to us in the email.  We pledge, however, that when you communicate with us via email, we will use your email information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the Bank unless we are compelled to do so by law.

Children's Online Privacy Protection Act

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children identities and privacy online is important and that the responsibility to do so rest with both the online industry and with parents.

Maintaining Personal Nonpublic Information Accuracy

At First Bank of Miami we have procedures in place to ensure customer account nonpublic information is complete, accurate, and processed in a timely manner. However, should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Under the Fair Credit Reporting Act you have the right to notify us if you believe we have reported inaccurate information about your account to any Consumer Reporting Agency. Such notices should be sent in writing and include your complete name, current address, social security number, telephone number, account number, type of account, specific item of dispute and the reason why you believe the information reported is in error. Send your notice to: First Bank of Miami, Operations Department, 255 Aragon Avenue, 3rd Floor, Miami, FL 33134.

Information about Former Customers

We do not disclose information about former customers, except as permitted or required by law.

Our Primary Concern

At First Bank of Miami our primary concern is maintaining your confidence in our bank. We are committed to ensuring your nonpublic personal information is kept confidential. If you have any questions, please stop at our Operations Department or call us at (305) 459-5279