Notice of Your Financial Privacy Rights

We, our, and us, when used in this notice, mean Summit Bank. This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Credit card account
  • Safe deposit box
  • All IRA accounts for which we act as custodian

We will tell you the sources 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. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.
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 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. This is also known as nonaffiliated third party, or simply, an “other party.”

The Information We Collect

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

Information We Disclose About You

We do NOT disclose any information about you to anyone, except as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

Authorized Sharing – Joint Marketing

We may disclose information we receive from you on an application or other forms, such as your name and address.
Federal Law allows us to disclose your name and address to other financial institutions with whom we have joint marketing agreements. You do not have the right to opt out of the disclosure of the information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Business

The following are the types of businesses with whom we may disclose nonpublic personal information under this section:

• Financial service providers such as Insurance Agents and Broker Agents

Reasons for Disclosing

We may disclose nonpublic personal information about you to other financial institutions with which we have joint marketing agreements to provide our customers with information about additional products and services.

The Confidentiality, Security, and Integrity of Your Information

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

Information about Former Customers

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

SUMMIT BANK, N.A.
101 West 23rd Street
Panama City, FL 32405
(850) 785-3669
Member FDIC