Privacy Principles

FACTS	WHAT DOES EASTERN NATIONAL BANK, N.A. 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 Account balances Payment history Credit history Income Checking account information 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 customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Eastern National Bank, N.A. chooses to share; and whether you can limit this sharing.
Questions?	Call 305-995-5800 or go to enbfl.com

Reasons we can share your personal information	Does Eastern National Bank, N.A. share?	Can you limit this sharing?
For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus	Yes	No
For our marketing purposes to offer our products and services to you	No	We do not share
For joint marketing with other financial companies	No	We do not share
For our affiliates’ everyday business purposes information about your transactions and experiences	No	We do not share
For our affiliates’ everyday business purposes information about your creditworthiness	No	We do not share
For non-affiliates to market you	No	We do not share

Who are we
Who is providing this notice?	Eastern National Bank, N.A.

What we do
How does Eastern National Bank, N.A. 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 Eastern National Bank, N.A. collect my personal information?	We collect your personal information, for example, when you Open an account Apply for financing Apply for a loan Provide account information Give us your income information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives us the right to limit only sharing for affiliates’ everyday business purposes – information about your creditworthiness affiliates from using your information to market you sharing for nonaffiliates to market you State laws and individual companies may give you additional rights to limit sharing.

What we do

How does Eastern National Bank, N.A. 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 Eastern National Bank, N.A. collect my personal information?

We collect your personal information, for example, when you

Open an account
Apply for financing
Apply for a loan
Provide account information
Give us your income information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives us the right to limit only

sharing for affiliates’ everyday business purposes – information about your creditworthiness
affiliates from using your information to market you
sharing for nonaffiliates to market you

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

Definitions
Affiliates	Companies related to common ownership or control. They can be financial and non-financial companies. Eastern National Bank, N.A. does not share with affiliates.
Nonaffiliates	Companies not related to common ownership or control. They can be financial and non-financial companies. Eastern National Bank, N.A. does not share with nonaffiliated so they can market you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Eastern National Bank, N.A. does not jointly market

Definitions

Affiliates

Companies related to common ownership or control. They can be financial and non-financial companies.

Eastern National Bank, N.A. does not share with affiliates.

Nonaffiliates

Companies not related to common ownership or control. They can be financial and non-financial companies.

Eastern National Bank, N.A. does not share with nonaffiliated so they can market you.

Joint Marketing

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

Eastern National Bank, N.A. does not jointly market

Rev. 11/2010