NOTICE OF YOUR
FINANCIAL PRIVACY RIGHTS

We, our, and us mean Seacoast Banking Corporation, First National Bank and Trust Company of the Treasure Coast, FNB Brokerage Services, Inc., FNB Insurance Services, and Seacoast Marine Finance.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Safe deposit box
  • Retail installment contract we hold and service
  • Self-directed Individual Retirement Account
  • Financial, investment, or economic advisory services

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also knows as nonaffiliated third party, or simple, an "other party."

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 our affiliates
• Information about your transactions with other parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY
AND INTEGRITY OF YOUR NONPUBLIC
PERSONAL INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information.

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as
  • Name
  • Address
  • Account balances
  • Account activity
  • Types of accounts
  • Parties to the transaction
  • Payment history
  • Deposit history
  • Phone number

Federal law allows us to disclose the information listed above with our affiliates.

Types of Affiliates

We may disclose information about you tot he following types of affiliates:

• Financial service providers, such as
  • Securities broker-dealers
  • Insurance agents

Reasons For Disclosure

We may disclose information about you to our affiliates:

• to provide you with information about additional products and services.
• to evaluate our total relationship with you and our family of companies and give you the best service that relationship deserves.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Information you give us on an application or other forms, such as:
  • Name
  • Address
  • Social security number
  • Phone number

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements.

Types of Businesses.
We may disclose information under this section to financial service providers, such as our credit card provider and insurance agents.

Reasons For Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

FIRST NATIONAL BANK & TRUST COMPANY
Member FDIC
A subsidiary of Seacoast Banking Corporation

FNB BROKERAGE SERVICES, INC.
Member NASD/SIPC
A wholly owned subsidiary of
First National Bank & Trust Company

FNB INSURANCE SERVICES, INC.
A wholly owned subsidiary of
First National Bank & Trust Company

SEACOAST BANKING CORPORATION

SEACOAST MARINE
A division of First National Bank & Trust Company

221-2555 (MARTIN COUNTY)
337-0505 (PORT ST. LUCIE)
465-4000 (FORT PIERCE)
569-4000 (INDIAN RIVER COUNTY)
776-7455 (NORTH PALM BEACH)

(800) 706-9991
For Personal Service

ARJ665
© 2000 Bankers Systems, Inc., St. Cloud, MN
Form PRIV-DISC 6/21/2000 Custom