WHAT DOES FINEMARK NATIONAL BANK & TRUST DO WITH YOUR PERSONAL INFORMATION?

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 account balances
• Transaction history and payment history
• Checking account information and credit history

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share clients’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their clients’ personal information; the reasons FineMark National Bank & Trust chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION:

1. 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
   • Does FineMark National Bank & Trust share? Yes
   • Can you limit this sharing? No
2. For our marketing purposes—to offer our products and services to you
   • Does FineMark National Bank & Trust share? No
   • Can you limit this sharing? We don’t share
3. For joint marketing with other financial companies
   • Does FineMark National Bank & Trust share? No
   • Can you limit this sharing? We don’t share
4. For our affiliates’ everyday business purposes—information about your transactions and experiences
   • Does FineMark National Bank & Trust share? No
   • Can you limit this sharing? We don’t share
5. For our affiliates’ everyday business purposes—information about your creditworthiness
   • Does FineMark National Bank & Trust share? No
   • Can you limit this sharing? We don’t share
6. For our affiliates to market to you
   • Does FineMark National Bank & Trust share? No
   • Can you limit this sharing? We don’t share
7. For non-affiliates to market to you
   • Does FineMark National Bank & Trust share? No
   • Can you limit this sharing? We don’t share

WHAT WE DO:

How does FineMark National Bank & Trust 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 FineMark National Bank & Trust collect my personal information?
We collect your personal information, for example, when you

• open an account or show your government-issued ID
• apply for a loan or give us your contact information
• make deposits or withdrawals from your account

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

DEFINITIONS

Affiliates

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

• FineMark National Bank & Trust has no affiliates

Non-affiliates

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

• FineMark National Bank & Trust does not share with non-affiliates so they can market to you

Joint marketing

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

• FineMark National Bank & Trust does not jointly market