At Community Bank of Florida ("CBF"), the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with CBF, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

1. Recognition of a Customer's Expectation of Privacy -  We recognize and respect your privacy expectations as a customer. We will maintain standards to ensure that your information is private and secure at all times.
2. Customer Benefits of Institution's Information Management Practices - We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes - and we will tell You why we are collecting and retaining it upon your request. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service. Our Use of Information provisions explain these concepts in greater detail.
3. Maintenance of Accurate Information - We will establish procedures so that a customer's financial information is accurate, current and complete in accordance with reasonable commercial standards. We will also respond to requests to correct inaccurate information in a timely manner.
4. Limitations on Employee Access to Information - Each CBF employee is required to follow our Company's "Code of Ethics," which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available.
5. Protection of Information via Established Security Procedures - We will maintain appropriate security standards and procedures regarding unauthorized access to customer information.
6. Restrictions on the Disclosure of Account Information - We will not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless:
   1. the information is provided to help complete a customer-initiated transaction;
   2. the customer requests it;
   3. the disclosure is required by/or allowed by law (e.g., subpoena, investigation of fraudulent activity, etc.);
   4. the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e., "opt out").
7. Maintaining Customer Privacy in Business Relationships with Third Parties - If personally identifiable customer information is provided to a third party, we will insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.
8. Providing Privacy Information to Customers and Responding to Inquiries - CBF recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call CBF at 305-245-2211.

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.