When we use the words "we", "our", or "us" we mean First Intercontinental Bank. When we use the words "you" or "your" we mean all consumers who hold deposit accounts or safe deposit boxes, loan accounts, retail installment contracts[when we hold the contract and service it], and/or IRAs[where First intercontinental Bank is the custodian or trustee] with our Bank.

At First Intercontinental Bank we respect your rights of privacy. We collect and retain nonpublic personal information you give us. Nonpublic personal information is information we collect in connection with services and products we provide to you. This information may come from application and similar forms you provide to us, and from transactions you conduct with us. Under some circumstances we will review your transactions with other entities. We routinely exchange information with consumer reporting agencies. If we verify information with you, we may keep a record of the information verified.

We do not disclose any information about our customers except to the extent authorized by law or traditionally permitted by industry practice. For example, regulatory agencies or consumer reporting agencies may require specific information about your accounts with us. Similarly, our normal efforts to prevent unauthorized transactions on your accounts may require disclosure of personal information. We reserve the right to aggregate information about our customer base for marketing purposes. We specifically do not provide individually-identifiable private information for marketing purposes to companies independent of our Bank.

Within our organization, we restrict your private information by permitting access only to those employees who have a need to know that information. We have sound physical and electronic safeguards for your private information, in addition to common-sense procedural safeguards.

We do not customarily provide information about former customers, except to the extent noted above. If you have any questions about your financial privacy or our practices, please call the bank during normal business hours.

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

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

We do not disclose any nonpublic personal information about you to anyone, except as authorized by law.

We do not disclose nonpublic personal information about former customers.