Coconut Grove Bank recognizes the trust you have placed in us and our responsibility regarding your financial privacy. It is our responsibility to keep your sensitive financial and personal information confidential. We have always had a practice of protecting your privacy.

We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information.

What Information We Collect

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

o Information we receive from you on applications, loan documents and other account forms;

o Information and your transactions with us or others; and

o Information we receive from third parties such as credit bureaus.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

What Information We Disclose

A. We are permitted under law to disclose nonpublic personal information about you to "nonaffiliated third parties" (not members of our corporate family) in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your account with us, to government entities in response to subpoenas, and to credit bureaus.

B. We may disclose the following information about you to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing arrangements.

o Information we receive from you on applications or other loan and account forms, such as your name, address, social security number, assets and income.

o Information about your transactions with us or others, such as your account balance, your name, address, payment history, assets, and income; and

o Information we receive from credit bureaus, such as your creditworthiness and your payment history.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.