Privacy Statement

For all of us at ENB, the customer is our highest priority. If you have any questions concerning the confidentiality of information contained in Bank files, please do not hesitate to call us. The procedures the Bank has put in place to protect your privacy are explained in the following paragraphs. We recognize that you, our customer, have the right to expect your nonpublic personal information to remain as confidential and secure as information obtained in person or by mail.

Bank Security Procedures

At ENB, we collect, retain, and use your nonpublic information only for specific business purposes to provide you with quality products and superior service.

To keep your nonpublic personal information private, the Bank will not accept communications from someone claiming to represent you, without your written or verbal consent, or the written and verbal consent of an attorney-in-fact, guardian, trustee, or a person otherwise authorized by law to represent you.

Sharing Nonpublic Personal Information with Companies That Work with the Bank

To assist us in offering services to you, we may occasionally share information with companies that work with the Bank, such as check printing, software and hardware servicing and companies specializing in data processing companies. These companies may, for example, assist the Bank in offering you certain products and services, or in making the day operations of the Bank more user friendly. These companies act on the Bank's behalf and are obligated by law to keep any nonpublic personal information provided to them confidential. They must execute a confidentiality agreement and agree to limit the use of the information.

Types of Nonpublic Personal Information that ENB Collects

"Nonpublic personal information" is information that the Bank obtains in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history.

ENB collects nonpublic personal information about you from the following sources:

Information received from you on applications or other forms;
Information about your transactions with us; Information received from a consumer-reporting agency, such as Credit Bureaus, Chex Systems and other Third Parties to confirm information that you have provided to the Bank, particularly in the process of evaluating applications for loans or opening deposit accounts and in connection with our subsequent periodic review of your account relationship(s) with us.

Please note that the Bank does NOT obtain any information about you from the WEBSITE unless you apply to the Bank for a product or service or become a customer of the Bank. If you do apply to the Bank for a product or service or become a Bank customer, Information may also be obtained from “cookies.” A “cookie” is a small file placed on your hard drive by our Web page server that is retrieved when you log onto our site again. The “cookie” is used to help us serve you better by recognizing you as a customer and to automate your online experience. For example, to store your preferences for certain kinds of information or to store account information so that you do not have to input it each time you visit our site. Cookies cannot be used to reveal anything that you have not already explicitly revealed. They cannot read your hardrive, get your e-mail address or steal personal information about you. If you do not wish to receive cookies, you can set your browser to alert you of a cookie being offered, or to reject all cookies.

Information the Bank Discloses:

The Bank does not disclose any nonpublic personal information to any third parties except as permitted by law. Under certain circumstances the law authorizes the Bank to disclose nonpublic personal information to "nonaffiliated third parties." For example, the Bank may disclose nonpublic personal information to such third parties to assist the Bank in servicing your loan or account to government entities in response to subpoenas and to credit bureaus. The Bank does not disclose any nonpublic personal information to any other third parties, except as permitted by law.

Maintaining Personal Nonpublic Information Accuracy

At ENB we have procedures in place to ensure customer account nonpublic information is complete, accurate, and processed in a timely manner. However, should you ever believe that our records contain inaccurate or incomplete information about you, please 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 inaccurate information about your account to any Consumer Reporting Agency. Such notices should be sent in writing and include your complete name, current address, social security number, telephone number, account number, type of account, specific item of dispute and the reason why you believe the information reported is in error. Send your notice to: Eastern National Bank Compliance Department, 799 Brickell Plaza, Miami, FL 33131.

Safeguarding Personal Nonpublic Information

At ENB we have established physical and electronic security procedures that comply with federal standards to protect your nonpublic personal and confidential information from unauthorized access.

An example of these procedures is that customer nonpublic personal information is protected from unauthorized access by persons external to the Bank by a password chosen by the customer. Thus, the customer’s nonpublic personal information would only be known to a person having in addition to the customer’s ID and account number(s), the customer’s unique password.

Another example of these procedures is that customer nonpublic personal information is protected from being altered while in transmission to the Bank by encryption technology known as Secure Sockets Layer (SSL). SSL manipulates the data into a format unreadable to humans as it leaves the customer’s workstation. Furthermore, the data in transit is split up into packets that travel separately and are not reorganized until they filter through the Bank’s router. So if the encryption code should be solved by an unauthorized computer, the agent is likely to only be in possession of individual packets which would be out of context with the whole data.

Customer nonpublic personal information is protected while in the Bank by limiting its access to only authorized employees who need to know that information to provide products or services to you. These employees are trained in the proper handling of that information and have been instructed to maintain the information’s confidentiality. To ensure that the confidentiality policy is understood it is contained in the Employees’ handbook and periodic e-mail announcements. An employee’s failure to comply with the privacy policy is subject to disciplinary action.

Our Primary Concern

At Eastern National Bank our primary concern is maintaining your confidence in our bank. We are committed to ensuring your nonpublic personal information is kept confidential. If you have any questions, please stop by or call our Compliance Department at (305)347-1174 Customer’s Initials_________________________ _________ Date

Privacidad-Confidencialidad

En el ENB los clientes son la máxima prioridad. Si usted tiene cualquier pregunta en relación con el manejo confidencial de la información sobre su cuenta y de los archivos, sírvase comunicarse con uno de los gerentes. Los procedimientos del Banco vigentes para asegurar y proteger su privacidad se explican en los siguientes párrafos:

Procedimientos de Seguridad

El Eastern National Bank (ENB) restringe el acceso a la información personal a aquellos funcionarios quienes necesitan conocer dicha información para poder ofrecer los productos y servicios bancarios. El Banco mantiene procedimientos internos de seguridad para proteger la información física y electrónica y para cumplir con todos los requerimientos de las leyes federales.

Para proteger su privacidad, el Banco no aceptará ningún tipo de comunicacíon de alguien que dice representarlo a usted sin que usted no haya otorgado su consentimiento por escrito, se tenga autorización de alguien como su abogado o representante legal o a quien usted previamente haya autorizado, o que la persona tenga los poderes autorizados por las leyes de los Estados Unidos en representación suya.

Compartir Información con Compañìas que Trabajan para el Banco

Para ayudar al Banco a ofrecerle sus servicios, ocasionalmente compartimos información con compañìas que trabajan para el mismo. Estos servicios pueden ser: imprimir una chequera, o a compañìas fabricantes de equipos y programas electrónicos que ayudan a procesar su información bancaria. Estas compañìas podrìan, como por ejemplo, ayudar al Banco en ofrecerle algunos de nuestros productos y servicios bancarios o nos ayudaría en la operación diaria del Banco. Estas compañìas actuan como parte del Banco y están obligadas a mantener su información en estricta confidencialidad

Categorìas de Información Personal y no Pública que ENB Utiliza

“Información Personal no Pública" es la información obtenida a través de los productos y servicios bancarios que usted está recibiendo y usando. Por ejemplo, la información personal no pública incluye aquélla sobre su saldo de cuenta, historial de pagos, y cualquier sobregiro que usted haya tenido en el banco.

El ENB obtiene información personal no pública sobre sus clientes de la siguiente manera:

Información obtenida de los clientes a través de cualquier solicitud u otro formulario;
Información sobre sus transacciones con el banco;
Información obtenida de una agencia de reporte sobre el consumidor (Consumer Reporting Agency), tales como las oficinas de información crediticia, Chex Systems u otras terceras partes que confirman información que usted ha proveido, particularmente en el proceso de evaluación de una solicitud de crédito o la apertura de

El ENB no obtendrá ninguna información personal sobre usted a través de nuestra página web en el Internet hasta que usted no sea un cliente del banco o haya solicitado ser usuario de algunos de nuestros productos o servicios.

Información que el Banco Comparte:

Al Banco le es permitido bajo la ley proveer información personal no pública a "terceras" partes no afiliadas” en ciertas y determinadas situaciones. Por ejemplo, el Banco podrìa proveer información personal no pública a terceros sobre su servicio de préstamos o cuentas del gobierno federal de este paìs en respuesta a una orden de una corte o “subpoenas” y también a cualquier oficina de información crediticia. Al Banco no le está permitido proveer esta información a cualquier otro ente o tercera parte, excepto cuando lo establece o es permitido por la ley.