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HomeMy WebLinkAboutPension General_Documentation_Tab 06_05/05/2008• • MEMO TO: General Employees Pension Board FROM: Betty Laur At the February 4, 2008 meeting, Secretary Archie Mangum indicated he would talk with a Sun American Bank representative regarding allowing the Finance Department to access the General Employees Pension Trust checking account, and would report back to the Board. Mr. Mangum visited the bank and obtained the attached documents. He spoke with Branch Manager Patrick Thompson, who plans to attend the May 5 meeting of the Board to answer any questions. • Print COMMERCIAL THRIFT CHECKING 8383 SUN AMERICAN BANK Printed by: Patrick Thompson Demand Deposit 8383 -VILLAGE OF TEQUESTA BD OF TTEE • Rel Birthdate [02] VILLAGE OF TEQUESTA BD OF TTEE GENERAL EMP PENSION TR FUND 345 TEQUESTA DRIVE TEQUESTA FL 33469 Additional Relationships Tax Name: [2] VILLAGE OF TEQUESTA BD OF TTEE Presentments No Presentments for Account Current & Previous Cycle Description Balance Forward: WT From: GREATBANC TRUST COMPANY/ Incoming WT Fee Check # 1119 Check #1120 ****Statement Produced**** Balance This Statement: • • Page 1 of 1 4/11/2008 9:40:19 AM Reporting Institution: 15 Phone Tax Identification ********** ********** Debits Credits Date Balance Feb 29, 2008 $1,198.37 $1,000.00 Mar 12, 2008 $2,198.37 $10.00 Mar 12, 2008 $2,188.37 $271.84 Mar 20, 2008 $1,916.53 $587.01 Mar 20, 2008 $1,329.52 Mar 31, 2008 $1,329.52 Apr 10, 2008 $1,329.52 http:// 10.92.29.100/DDA_DDA 1151 /DDA 11 S 1.ASPX?Action=QUICKPRINT&XMLGui... 4/11 /2008 Sun American Bank Far Individual Accounts F'rcrvide *First Name: "Last Name: "Social Security Number: If Foreign, Passport Number/Cedula of Issuing Country: For Corporate Accounts Provide Company Name: Village of Tequesta Bd of Trustf Complete Name of Authorized Signer Archie Mangum Enrolling: - 'Employer Tax ID Number: 59-6044081 If Foreign -Indicate Country: • Biil Payment Pay Bills Online. Individual or Corporate Account "Primary Account Number: Required Infarmation for Individual and Corporate Accounts `Address: 345 Tequesta Dr ''City: Tequesta '`State: FL 'Zip: 33469 "Email Address: *Contact Telephone: '`PBSSWOrd Hlnt (Mothers Maiden Name, Pets name, etc): Page 1 of 2 Please provide the account numbers you ~,vish to associate With your Internet Banking Access Type of Account ,.,.._., Checking -~ Choose One Choose One Choose One __ http://www.sunamericanbank.com/Banking/Form.htm 4/11/2008 ~- Sun American Bank *Signature Date Page 2 of 2 • Upon receipt of your signed application, instructions for accessing your account online will be mailed to you. You can fax your signed application to (305) 448-9308 or visit your nearest branch. Please mail the original application to: Sun American Bank Attn. Online Banking Department 221 Miracle Mile Coral Gables, FI 33134 * Required Fields I if not applicable, indicate N/A. For each individual or authorized signer enrolling, a separate Internet Banking Enrollment Application must be submitted. You can fax your signed application to (305) 448-9308 or visit your nearest branch. 1~irmbvr ©Sun American Bank All rights reserved. `"" Subsidiary of Sun American Bancorp. ~~~~f~ Member FDIC and Equal Housing Lender. • • http://www.sunamericanbank.com/Banking/Form.htm 4/11 /2008 Sun American Bank Page 1 of 5 SUN AMERICAN BANK ONLINE ACCESS AGREEMENT AND ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE • Agreement -This Agreement, which includes the Fee Schedule and Enrollment form, is a contract v govern the electronic access to your accounts at Sun American Bank ("the Bank"), through its online b using the Bank's system, you accept all the tenants and conditions of this Agreement. Please rear conditions of the deposit agreements and disclosures for each of your the Bank accounts as well as y Bank such as loans continue to apply notwithstanding anything to the contrary in this Agreement. Thi applicable federal laws, and the laws of the State of Florida, except to the extent this Agreement can anc If any provision of this Agreement is found to be unenforceable according to its terms, all remaining I force and effect. The headings in this Agreement are for convenience or reference only and will not g provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement r constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. T your heirs, successors and assigns and the Bank's successors and assigns. Certain of the obligations Agreement that by their nature would continue beyond the termination, cancellation, or expiration of termination, cancellation, or expiration of this Agreement. This Agreement, together with the Enroll constitutes the entire agreement between you and the Bank by which the Bank offers and you acs Notwithstanding the existence of other account and customer relationship agreements between you superseded by this Agreement, you and the Bank acknowledge and represent that no other understand online banking services exist in writing or by implication, other than as expressly contained herein. Definitions - As used in this Agreement, the words "we" "ours", "us", and "the Bank" refers to Sur "Your" refer to the personal or commercial accountholder authorized by the Bank to use the system unc else authorized by that accountholder to exercise control over the accountholder's funds through the sys means your accounts at the Bank. "Electronic funds transfers" means ATM withdrawals, pre-authori transaction, transfers to and from your the Bank accounts using the system including bill payments. • services provided pursuant to this Agreement, including the Bill Payment Service. "Business day" n excluding holidays. Commercial Accountholders Only (1) -You agree to identify, in your Enrollment Forms, a 1 Administrator. We will issue a Password or other access code ("Password(s)") to the authorized Admi authorized Administrator to access all of the services available to you using the system. You understand the initial password by the authorized Administrator, the authorized Administrator will have full access we provide to you through the system. You understand and agree that the authorized Administrator a passwords to other persons, to identify the services that may be performed using each password, and passwords and the services that maybe performed using the assigned passwords. Commercial Accountholders Only (2) -You are responsible for maintaining the confidentiality of th and agree that you are responsible for all transactions incurred using your passwords. You agree to dig individuals authorized to use the system or a particular level of service in the system. Anyone to whop and anyone who has access to your passwords will have full access to the services you can perform on th to your Accounts. The person's authority will be limited only to the extent that the password was esta services that could be performed using that password. We are entitled to presume that all come passwords are authorized by you and to act upon those communications, and you will be bound by any person using that password. You assume full responsibility and liability for the consequences of any loss Access - To use the system, you must have at least one checking account at the Bank, access to an IntE mail ("e-mail") address. Once we have received your signed Agreement and Enrollment Form, and veri we will send you, either by e-mail or by postal mail, confirmation of our acceptance of your enrollment. •in and temporary password. The system can be used to access only the Bank accounts which you hav system in your Enrollment Form. You can add or delete any of your the Bank accounts from this Ag Enrollment Form. We undertake no obligation to monitor transactions through the system to determine t the accountholder and we will not be liable for any losses suffered by you as a result of misuse by author http://www. sunamericanbank.com/online2520agreement.html 4/ 11 /2008 Sun American Bank Page 2 of 5 System Services -You can use the system to check the balance of your the Bank. accounts, view the B funds between your the Bank accounts, view checks and pay bills from your the Bank accounts in the • requested the Bill Payment Service on your Enrollment Form. Hours of Access -You can use the system seven days a week, twenty-four hours a day, although some not be available occasionally due to emergency or scheduled system maintenance. We agree to post not non-availability on the system web site. Your Password -For security purposes, you are required to change your password upon your init determine what password you will use and the identity of your password is not communicated to us. Yc to act on instructions received under your password. You accept responsibility for the confidentiality and agree to change your password regularly. Upon three unsuccessful attempts to use your password, be revoked. To re-establish your authorization to use the system, you must contact us to have your pas temporary password. We recommend that you create a password that utilizes both upper and lower cast for purposes of security. Your password should not be associated with any commonly known person security numbers, addresses, date of birth, names of children, and should be memorized rather than writtE Security -You understand the importance of your role in preventing misuse of your accounts througl promptly examine your paper statement for each of your the Bank accounts as soon as you receive confidentiality of your account and account number, and your personal identification information, such and social security number. You understand that personal identification information by itself or togetl your account; may allow unauthorized access to your account. Your password and login ID are intent unauthorized entry and access to your accounts. Data transferred via the system is encrypted in an security and the system utilizes identification technology to verify that the sender and receiver of thf appropriately identified by each other. Notwithstanding our efforts to insure that the system is sect Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the • monitored and read by others. We cannot and do not warrant that all data transfers utilizing the systen from us, will not be monitored or read by others. Fees and Charges -You agree to pay the fees and charges for your use of the system Services at set fort You agree that all such fees and charges will be deducted from the Bank checking account design, Account ("PCA") on your Enrollment Form. If you close your PCA you must contact us immediately t your PCA. However, in the event that you fail to immediately designate a new PCA or if at any time thf PCA, you agree that the Bank may deduct any fees and charges from any account that you maintain at tl• additional reasonable charges for services you request which are not covered by this Agreement. telephone and Internet service fees you incur in connection with your use of the system. Posting of Transfers -Transfers initiated through the system will take effect immediately. The system the login ID of the user who made the electronic transfer. You agree to communicate with any other peg your accounts concerning any transfers or bill payments from your accounts in order to avoid overdrafts. Overdrafts (Order of Payments, Transfers, and other Withdrawals) - If your account has insufficient 1 fund transfers you have requested for a given business day, then: (a.) Electronic funds transfers involving as ATM withdrawals, will have priority; (b.) Electronic fund transfers initiated through the system whit of your account may, at our discretion, be cancelled; (c.) In the event the electronic fund transfer initi~ would result in an overdraft of your account are not cancelled, overdraft charges may be assessed purse agreement for that account. Limits on Amounts and Frequency of Transactions -The number of transfers from the Bank accoun • be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for been placed on the deposits made to an account from which you wish to transfer funds, you cannot tr. held until the hold expires. http://www. sunamericanbank. com/online2520agreement.html 4/ 11 /2008 Sun American Bank Page 3 of 5 Bill Payment Service -You must designate the Bank account from which the payments are to be m~ payee, the account number, and the payee's remittance address, all exactly as shown on the billing state the payment; and the date you want the payment to be debited from your account. If the date you want t your account is not a business day, your account will be debited the next business day. By using the • option, you agree that, based upon instructions received under your password, we can charge your de; transfer, "no signature required draft" or by debiting and remitting funds on your behalf. You also agree will be charged to your PCA. We reserve the right to refuse to pay any payee designated by you. If promptly. Scheduling Payments - If the payee is to be paid by paper check (as indicated on the Bill Payer list), paper checks are mailed to the payee and the payee may not receive the payment until 5 to 8 business c was debited from your account. If the payee is to be paid electronically (as indicated on the Bill Payer that the payee may not receive the payment until 72 hours after the date the payment is debited from yow agree that we are not responsible for the timely delivery of mail or the improper transmission or handlin such as the failure of the bill payment payee to properly post a payment to your account. How to Cancel a Bill Payment - To cancel a bill payment that you have scheduled through the system online via the system (by following the onscreen instructions) before 4:30 p.m. (Eastern Standard Tin scheduled to be debited from your account. Disclosure of Account Information and Transfers -You understand and acknowledge that the disclo; accounts or the transfers you make is governed by the Bank's Bank Customer Privacy Policy, as rev Bank. This Policy has been provided to you by the Bank and appears on the system for your review. Periodic Statements -You will not receive a separate the system statement. Transfers to and from your appear on the respective periodic paper statements for your Bank accounts. • Change in Terms - We may change any term of this Agreement at any time. If the change would resu system service, increased liability for you, fewer types of available electronic fund transfers, or stricter 1 dollar amount of transfers, we agree to give you notice at least 21 days before the effective date o immediate change is necessary to maintain the security of an account or our electronic fund transfer syst~ notice of the change in terms on the Bank system website or forward it to you by e-mail or by postal change is not required, and disclosure does not jeopardize the security of the account or our electronic notify you of the change in terms within 30 days after the change becomes effective. YOUR CONTII\ SUBJECT SYSTEM SERVICES INDICATES YOUR ACCEPTANCE OF THE CHANGE IN TER waive, reduce, or reverse charges or fees in individual situations. You acknowledge and agree that specific accounts are governed by the applicable deposit agreements and disclosures. Errors or Questions - In Case of errors or questions regarding your electronic transfers including bill p telephone number or address listed in the "location" page of this web. If you believe that your paper stal you need more information about a transfer listed on your paper statement or receipt, contact us immedi no later than 60 days after we sent the first paper statement on which the problem or error appeared. W your name and account number. (2) Describe the error or the transfer you are unsure about, and explain believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected e relates to a bill payment made via the System Bill Payment Service, tell us the account number used tc date the payment was sent, payment amount, ID number, and the payee account number for the payment appears on the Bill Payment View Posting Screen.) If you notify us orally or by e-mail, we will ~ complaint or question in the form of paper writing by postal mail or fax within 10 business days. We v occurred within 10 business days after we hear from you and will correct any error promptly. 20 busi account, defined as an account in which the alleged error occurred within 30 days after the first de ~owever, we may take up to 45 days to investigate your complaint or question. 90 days may apply if th point of sale transaction, was a foreign initiated transaction, or occurred to a new account as determined we will credit your account within 10 business days (20 days for new accounts) for the amount you th have the use of the money during the time it takes us to complete our investigations. If we ask you http://www. sunamericanbank. com/online2520agreement.html 4/ 11 /2008 Sun American Bank :Page 4 of 5 writing and we do not receive it within 10 business days, we may not credit your account. We will s within three business days after we finish our investigation. If we decide that there was no error explanation. You may ask for copies of the documents that we used in our investigation. If we hav • corresponding debit will be made from your account. Our Liability for Failure to Make aTransfer - If we do not complete a transfer to or from your accou time or in the correct amount, according to our agreement with you when you have properly instructed t you for your losses or damages caused as a result. However, there are some exceptions. We will N incidental, special, or consequential damages in connection with our failure to make a transfer, includin; whether in an action in contract or tort or based on a warranty theory. We will also NOT be liable, for it of ours you do not have enough money in your account to make a transfer. (2) If a legal order directs u the account. (3) If your account is closed or if it has been frozen. (4) If the transfer would cause you limit of an established line of credit or the credit limit for any credit arrangement set up to cover ova authorized by you, commits any fraud or violates any law or regulations. (6) If any electronic terminal any part of the system electronic funds transfer system is not working properly and you knew about transfer. (7) If you have not provided us with complete and correct payment information for the Bi without limitation, the name, address, your payee-assigned account number, payment date, and payment payment. (8) If you have not properly followed the on-screen instructions for using the system. (9; control (such as fire, flood, interruption in telephone service or other communication lines) prevent tl precautions that we have taken. 10) If your losses are not as a result of our gross negligence or willful m PLEASE NOTE THAT THE FOLLOWING LIABILITY LIMITATIONS ("Your Liability fo APPLY ONLY TO CONSUMER ACCOUNTHOLDERS Your Liability for Unauthorized Transfers -CONTACT US AT ONCE if you believe your passw~ without your authorization or otherwise compromised, or if someone has transferred or may transff without your permission.. An immediate telephone call to us is the best way to reduce any possible • money in your accounts (plus your maximum overdraft line of credit, if any). If you contact us within of the loss, theft, compromise, or unauthorized use of your password you can lose no more than $50 ii without permission. If you do NOT contact us within 2 business days after you learn of the loss, theft. use of your password, and we can prove we could have stopped someone from using your password tc your permission if you had told us, you could lose as much as $500. Also, if your paper statement sh make, contact us at once. If you do not tell us within 60 days after the paper statement was mailed to yo you lose through transactions made after the 60 day time period if we can prove that we could have sto money if you had told us in time. Disclaimer of Warranty and Limitation of Liability - We make no warranty of any kind, express or warranty of merchantability or fitness for a particular purpose, in connection with the system Servic Agreement. We do not and cannot warrant that the system will operate without errors, or that any or ; available and operational at all times. Except as specifically provided in this Agreement, or otherwise r our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, spe under or by reason of your use of or access to the system, including loss of profits, revenue, data or whether in an action in contract or tort or based on a warranty. Further, in no event shall the liabilit} exceed the amounts paid by you for the services provided to you through the system. Copyright -The system and its contents are protected by copyright pursuant to U.S. and International c of the Bank. You may not modify, publish, transmit, participate in the transfer or sale of, reproduce i provided herein), create new works from, distribute, perform, display, or in any way exploit, any of the c its web site (including software) in whole or in part . Trademarks, service marks, logos, graphics, sound the Bank's web site may not be reproduced or distributed unless expressly permitted by the Bank. You ~ • available from the system in any manner that would be illegal, immoral or violate any Federal, State or lc Products and Services Availability -the system can be accessed from countries allover the world and Bank services, programs, and products that have not been announced or authorized in your jurisdiction. http://www. sunamericanbank. com/online2520agreement.html 4/ 11 /2008 Sun American Bank Page 5 of 5 that the Bank intends to announce or make available such services, programs, or products in your countr that may be described are available in all countries, and nothing on the system or its web site constitutes products or services. • Third-Party Web Sites -the system and the Bank's web site may provide links to third-party web control of the Bank. The Bank makes no representations about third-party Web sites. When you access do so at your own risk. The Bank is not responsible for the reliability of any data, opinions, advice, or web sites. The Bank provides these links merely as a convenience. The inclusion of such links does nog recommends, or accepts any responsibility for the content of such Web sites. Third-Party Products and Services -The Bank's web site may mention third-party products and servic The Bank makes no recommendations or endorsements about third-party products and services. REFE SERVICES AND PRODUCTS ARE PROVIDED BY the Bank "AS IS", WITHOUT WARRANT EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF ,MERCHANT ABILI' PARTICULAR PURPOSE. Your Right to Terminate -You may cancel your the system service at any time by providing us with ~ fax. Your access to the system will be suspended within 3 business days of our receipt of your instructi will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation. agree that we can terminate or limit your access to the system Services for any of the following reasons: have insufficient funds in any one of your the Bank accounts. The system service may be reinstate sufficient funds are available to cover any fees pending transfers, and debits. (2) Upon 3 business days ~ to designate a new PCA immediately after you close your PCA. (3) Upon reasonable notice, for any discretion. Communications between the Bank and You -Unless this Agreement provides otherwise, you can a • of the following ways: Telephone -You can contact us by telephone at (305) 639-7200, or facsimile at (305) 448-9308. Postal Mail -You can write to us at: Sun American Bank 221 Miracle Mile Coral Gables, Florida 33134 In Person -You may visit us in person at any of the following Bank offices: http://www.sunamericanbank.com/BL.html Consent to Electronic Delivery of Notices -You agree that any notice or other type of communication 1 terms of this Agreement, and any future disclosures required by law, including electronic fund trans electronically by posting the notice on the Bank the system web site or by e-mail. You agree to notify u~ your e-mail address. Consent to Electronic Delivery of Notices -You agree that any notice or other type of communication p terms of this Agreement, and any future disclosures required by law, including electronic fund transfer di electronically by posting the notice on the BANK SYSTEM web site or by e-mail. You agree to notify u: your e-mail address. ~x~r • ~~ I Accept I Decline http://www.sunamericanbank.com/online2520agreement.html 4/11/2008 Sun American Bank Page 1 of 5 SUN AMERICAN BANK PRIVACY STATEMENT We at Sun American Bank acknowledge and respect the privacy and confidentiality of our customers' n~ • We want to assure our customers that information communicated electronically is safe and is kept as sec person or by mail. Historically we have taken special care to protect the privacy and security of confidential customer in subject to a number of federal and state laws that govern the handling of such customer information. Tl of the Bank's On-Line Banking Operation. Our policy for collecting, using, sharing, maintaining accuracy, and safeguarding customer nonpublic inf When we use the words "you" and "your" we mean the following types of customers: All of our consumer customers who have a continuing relationship with us, such as: • Deposit Account • Loan Account • Credit Card • Safe Deposit Box • Individual Retirement Account where we act as custodian or Trustee. We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We first define some terms. We, our, and us, means Sun American Bank. Nonpublic personal information means information about you that we collect in connection with pry service to you. Nonpublic personal information does not include telephone directories or government rec~ An affiliate is a company we own or control, a company that owns or controls us, and a company that same company that owns or controls us. Ownership does not mean complete ownership, but means owni~ A nonaffiliated third party is a company that is not an affiliate of ours. The Information That We Collect 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. http://www. sunamericanbank. com/B anking/privacy%20policy%20application.html 4/11 /2008 Sun American Bank . Information may also be obtained from "cookies." Page 2 of 5 A "cookie" is a small file placed on your hard drive by our Web page server that is retrieved when yc "cookie" is used to help us serve you better by recognizing you as a customer and to automate your on-lip store your preferences or certain kinds of information or to store account information so that you do not visit our site. Cookies cannot be used to reveal anything that you have not already explicitly revealec drive, get your e-mail address or steal personal information about you. If you do not wish to receive coo to alert you of a cookie being offered, or to reject all cookies. Sharing Nonpublic Personal Information At Sun American Bank information that we share to meet your needs is relied on us, and the professio disclose it, to meet a wide range of financial requirements and to ensure your needs are handled in the fashion. We may disclose the following kinds of nonpublic personal information about you: . Information we receive from you on applications or other forms, such as your name, address, soc income; • Information about your transactions with us, our affiliates, or other, such as your account balan~ transactions, and credit card usage; • Information we receive from a consumer reporting agency, such as your creditworthiness and credi • Information obtained at your request (such as aggregated information from multiple financial developing a financial profile or plan). • Those that we share information with to meet your needs maybe part of the Sun American Bank's famil third-party companies that are not affiliated with us. In either event, they receive only what they need to function for which they were hired. We may disclose nonpublic personal information about you to the fo • Financial service providers, such as mortgage bankers, securities broker-dealers, credit card provid • Non-financial companies, such as retailers, direct marketers, airlines, and publishers, and • Others such as non-profit organizations. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitter Your information sharing rights outside Sun American Bank's family of affiliates allow you the opportui we may share as described above. If you prefer that we not share information about you with companies family of affiliated companies; you may opt out of these disclosures. That is, you may direct us not to shy disclosures permitted by law). You can do this by simply completing the Opt Out Form and mailing it to: Sun American Bank 3400 Coral Way Miami, Florida 33145 Under the Fair Credit Reporting Act, we are permitted bylaw to share within the Sun American • information concerning a customer's account history and experiences with Sun American Bank. Unless share among Sun American family of companies the nonpublic personal information described above share nonpublic personal information about you with-in our family of affiliated companies, you may explained above, by simply completing the Opt Out Form and mailing it to: http://www.sunamericanbank.com/Banking/privacy%20policy%20application.html 4/ 11 /2008 Sun American Bank Page 3 of 5 Sun American Bank 3400 Coral Way Miami, Florida 33145 In order to continue to serve your financial needs to the fullest extent possible, we will continue tc experience information, as well as other general information among our family of affiliates as permitter out of information sharing, we will process your opt out selection as soon as reasonably practical. Plea out of this information sharing may limit opportunities for you t receive product and service information financial institutions, we must employ various third party service providers to provide us with a vari functions. This could include document preparation, maintaining software, providing marketing fc including joint marketing arrangements with other financial institutions (e.g. insurance companies, secw may disclose the nonpublic personal information (described above) to other financial institutions with ~ agreements and/or to on-financial companies and independent contractors for the purpose of servicin marketing or similar services on our behalf or with respect to problems or services we provide. Occasionally, Sun American Bank sells a particular line of business or branch. Typically, an integral pa its customer database. Sun American Bank reserves the right, in such circumstances, to transfer own database to the purchaser. In the event of such a transfer, our Privacy Policy will no longer ap relationships. Maintaining Personal Information Accuracy At Sun American Bank we have procedures in place to ensure customer account information is complet timely manner. However, should you ever believe that our records contain inaccurate or incomplete notify us. We will investigate your concerns and correct any inaccuracies. • Under the Fair Credit Reporting Act you have the right to notify us if you; believe we have reported ina~ account to any Consumer Reporting Agency. Such notices should be sent in writing and include your cc social security number, telephone number, account number, type of account, specific item of dispute a~ the information reported is in error. Send your notice to Sun American Bank Compliance Department 33145. Safeguarding Nonpublic Personal Information At Sun American Bank we restrict access to nonpublic personal information about you to those empl information to provide products or services to you. These employees have been trained to maintain the r confidentiality. To ensure that the confidentiality policy is understood it is contained in the Personal Polio to attend periodic trainings. All employees' failure to comply with the privacy policy is subject to discipli We maintain physical electronic and procedural safeguards that comply with federal regulations to information. Customer nonpublic personal information is protected from unauthorized access by persc password chosen by the customer. Thus, the customer's personal information would only be known to the customer's ID account number(s), the customer's unique password. Customer's personal information is protected from being altered while in transmission to the Bank by er Secure Sockets Layer {SSL). Children's Online Privacy Protection Act i We do not knowingly solicit data from children, and we do not knowingly market to children. We recol identities and privacy online is important and that the responsibility to do so rest with both the online ind Other information http://www.sunamericanbank.com/Banking/privacy%20policy%20application.html 4/11/2008 Sun American Bank Page 4 of 5 We reserve the right to modify or amend this Privacy Policy at any time. If material changes are made; new privacy Policy and be given another opportunity to opt out. The practices and policies contained in previous notices or statements with respect to the same subject. This Privacy Policy, will not apply to re; service providers, such as banks, insurance companies, securities broker-dealers, that are not part of Sun • policies will govern how they collect, use and disclose nonpublic personal information. Opt Out Form We may share information about your among the Sun American Bank family of companies and/or of family of companies, unless you instruct us otherwise. Sun American Bank offers you the pt out choicf sharing of information. If you decide that you want to choose either or both of these options, please con (s) below. If at a later time, you wish to change these opt out selections, you may do so. Please includ and notify us as follows: Sun American Bank 3400 Coral Way Miami, Florida 33145 Opting out may cause you to no longer receive exclusive offers and other promotional material that rr process your opt out selection as on as reasonably practical. If you have multiple consumer account co out choices will also apply to other individuals who are joint account holders. If these individuals have will apply to those separate accounts. If you opt out, you may still receive offers with our account statements when you contact us and in co. and servicing of your account relationship. Our Primary Concern At Sun American Bank our primary concern is maintaining your confidence in our bank. We are commit personal information is kept confidential. If you have any questions, please stop by one of the branches Specialist at 305-448-6800. OPT OUT FORM PLEASE PRINT CLEARLY Name Address City State Zip Account Number (Please provide one valid account number) Please PRINT clearly in blue or black ink. If any information on this form is inaccurate, • incomplete, or illegible, we may not be able to process your request. Remember, by opting out, you may not receive information about new services or special promotions for which you may be eligible. Do not share nonpublic personal information about me with non- affiliated third parties, except as provided in this Privacy Policy. Do not share nonpublic personal information about me among Pan American Bank's family of companies, except http://www. sunamericanbank. com/B anking/privacy%20policy%20application.html 4/ 11 /2008 Sun American Bank Page 5 of 5 as provided in this Privacy Policy. • ~~ L_J • ~etrrb«r ~; I Accept I Dccline_ http://www. sunamericanbank.com/B anking/privacy%20policy%20application.html 4/11 /2008