CITY NATIONAL BANK OF FLORIDA

Consumer Privacy Policy and Important Information You Should Know

We recognize and respect the privacy expectations of our customers. To meet those expectations, the Bank maintains policies and procedures to safeguard your personal information. It's important for you to know that we do not sell or share Customer Information with outside marketers. Our customers may tell us they don't want to receive direct marketing offers from us.

This policy covers Nonpublic Personal Information, which means personally identifiable information about a consumer or a consumer's current or former relationship with City National Bank of Florida. This policy is provided to you as required by the Federal Financial Privacy Law. *

* 15 U.S.C. 6801-6810

PROTECTING YOUR INFORMATION FROM OTHERS

City National Bank of Florida does not sell or otherwise share any Customer Information with marketers offering their products and services. You don't need to take any action to prevent disclosure. While we may offer products and services on behalf of outside companies, City National Bank of Florida and companies that work for us control the information used to make those offers.

INFORMATION SECURITY

Keeping financial information secure is one of our most important responsibilities. We value your trust and handle information about you with care. We limit access to customer information to employees who need to know that information to provide products and services to you or to maintain or service those products or services. The Bank's employees are bound by a code of ethics requiring confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.

We maintain physical, electronic and procedural safeguards to protect customer information. We regularly access new technology for protecting information and upgrade our systems when appropriate.

COLLECTING INFORMATION

We collect and use various types of information to service your accounts, save you time and money and better understand your needs. We want to help you learn more about products and services that may be of interest to you. Customer information we collect is categorized as the following five types:

1. Information you provide to us on applications and through other means, such as your assets, income and other debt.
2. Information about your transactions and account experience with us, such as your account balance, payment history, or information about our communication with you, such as a request for a copy of a check and our response.
3. Information from a consumer report, such as information regarding your creditworthiness or credit history.
4. Information from other outside sources regarding their employment, credit or other relationship with you or verifying representations made by you, such as your employment history, loan or credit card balances or your property insurance coverage.
5. Other general information we obtain about you that is not assembled for the purpose of determining your eligibility for credit, insurance, employment or other product or service you request, such as demographic information.

SHARING INFORMATION WITH COMPANIES THAT PROVIDE THE BANK SERVICES

We may share all five types of Customer Information with companies that work for us to provide you products and services that you've requested or already have with us. We share the information needed to provide those products and services and to provide a good customer experience. These companies may include our affiliate, financial service providers such as insurance companies and payment processing companies, and nonfinancial companies such as check printing and data processing companies. These companies might assist us, for example, in fulfilling your service request, processing your transaction, or mailing account statements. In addition, we may share any of the five types of Customer Information with companies that work for us to provide marketing and other services. All of these companies act on our behalf, are contractually obligated to keep the information that we provide to them confidential, and use the information only to provide the services we've asked them to perform for you and us.

OTHER DISCLOSURES OF CUSTOMER INFORMATION

We may also disclose any of the five types of Customer Information to credit bureaus and similar organizations, and otherwise when permitted by law. For example, this may include a disclosure in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds of trust and mortgages in public records, an audit or examination, or the sale of your account to another financial institution. We may also share any of the five types of Customer Information outside of our family of companies if we have your consent.

ACCURACY OF YOUR INFORMATION

Keeping your account information current and accurate is very important. We provide you with access to your account information through various means such as account statements, telephone banking and online banking. If you ever find that your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement, bank records, or other documentation. We will promptly update or correct any erroneous information. If you have questions, or feel that we have not handled information about you properly, you may always contact us and we will investigate your inquiry or complaint.

DIRECT MARKETING PREFERENCES

You have choices when it comes to learning about new offers and services from City National Bank of Florida. You can choose not to receive marketing offers by direct mail, telemarketing and/or e-mail. To tell us your preferences:

Write to: City National Bank of Florida
CIS Operations
25 W. Flagler Street
Miami, FL 33130

In order to ensure that we accurately reflect your request, please provide your full name and street address, social security number, and telephone number for telemarketing requests and e-mail address for e-mail requests. Please note that it may take six to eight weeks to make your request fully effective. Even if you elect not to receive product information by direct mail,telemarketing or e-mail, you will continue to:

1. be contacted as necessary to service your account, or
2. receive marketing information included with your regular account mailings or when you visit us online.

LIMITING DIRECT MARKETING FROM OTHER COMPANIES

If you would like to reduce the amount of advertising you receive from companies other than City National Bank of Florida, you can write to the following agencies:

For advertising received by mail:
Mail Preference Service
c/o Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735-9008

For advertising received via telephone:
Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 9014
Farmingdale, NY 11735-9014

Be sure to include complete information about each name, address and telephone number you would like excluded from these lists. If you have moved within the past year, remember to include your old address and phone number. The same is true for name changes and the addresses and phone numbers associated with each name.

If you would like to have your name taken off all pre-approved credit solicitations you can write to the following credit reporting bureaus or call 1.888.5OPTOUT (888.567.8688). Be sure to include your full name, current address, social security number and telephone number.

Experian
Consumer Opt-Out
901 West Bond
Lincoln, NE 68521

Equifax, Inc.
Options
P.O. Box 740123
Atlanta, GA 30374-0123

Trans Union LLC's
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328

PRIVACY POLICY UPDATES

City National Bank of Florida will provide notice of our privacy policy annually, as long as you maintain an ongoing relationship with us. This policy may change from time to time, but you can always review our current policy on our Web site at:
http://www.citynational.com, or contact us for a copy at:

City National Bank of Florida
CIS Operations
25 W. Flagler Street
Miami, FL 33130

For information about our online privacy practices, please visit our Web site at: citynational.com

Member FDIC

Rev – 05/08 Shared/Privacy Policy Word Brochure 2008.doc

IMPORTANT INFORMATION YOU SHOULD KNOW

• What You Should Know About PRETEXT CALLING.
  

  When you think of your own personal assets, chances are your home, car, and savings and investments come to mind. But what about your Social Security number and your bank and credit card account numbers? To people known as "pretexters," that information is a personal asset, too.

  Pretexting is the practice of getting your personal information under false pretenses. Pretexters sell your information to people who may use it to get credit in your name, steal your assets, or to investigate or sue you. Pretexting is against the law.

• How Does Pretext Calling Work.
  

  Pretexters use a variety of tactics to get your personal information. For example, a pretexter may call, claim he's from a survey firm, and ask you a few questions. When the pretexter has the information he wants, he uses it and pretends to be you or someone with authorized access to your account. He might claim that he's forgotten his checkbook and needs information about his account. In this way, the pretexter may be able to obtain personal information about you such as your Social Security Number (SSN), bank and credit card account numbers, information in your credit report, and the existence and size of your savings and investment portfolios.

  Keep in mind that some information about you may be a matter of public record, such as whether you own a home, pay your real estate taxes, or have ever filed for bankruptcy. It is not pretexting for another person to collect this kind of information.

• The Link to Identity Theft.
  

  Pretexting can lead to "identity theft." Identity theft occurs when someone hijacks your personal identifying information to open new charge accounts, order merchandise, or borrow money. Consumers targeted by identity thieves usually don't know they've been victimized until the hijackers fail to pay the bills or repay the loans, and collection agencies begin dunning the consumers for payment of accounts they didn't even know they had.

  According to the Federal Trade Commission, the most common forms of identity theft are:

  Credit Card Fraud - a credit card is opened in a consumer's name or an existing credit card account is "taken over;"

  Communications Services Fraud - the identity thief opens telephone, cellular, or other utility service in the consumer's name;

  Bank Fraud - a checking or savings account is opened in the consumer's name, and/or fraudulent checks are written; and

  Fraudulent Loans - the identity thief gets a loan, such as a car loan, in the consumer's name.

• Best Defense is to Protect Yourself.
  

  Even though the laws are on your side, it's wise to take an active role in protecting your information. Some helpful hints include:

  • Don't give out personal information on the phone, through the mail or over the internet unless you've initiated the contact or know whom you're dealing with.
  • Pretexters may pose as representatives of survey firms, banks, internet service providers and even government agencies to get you to reveal your SSN, mother's maiden name, financial account numbers and other identifying information.
  • Be informed. Ask your financial institutions for their policies about sharing your information.
  • Pay attention to your statement cycles. Follow up with your financial institutions if your statements don't arrive on time.
  • Check account statements carefully. Review statements to ensure all charges, withdrawals, etc. were authorized.
  • Alert family members to the dangers of pretexting. Explain that only you, or someone you authorize, should provide personal information to others.
  • Keep items with personal information in a safe place. Tear or shred your charge receipts, copies of credit applications, insurance forms, bank checks and other financial statements that you're discarding, expired charge cards and credit offers you get in the mail.
  • Carry only the minimum amount of identifying information and number of credit cards you need.
  • Add passwords to your credit card, bank and phone accounts. Avoid using easily available information like your mother's maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers.
  • If you prefer not to receive pre-approved offers of credit, you can opt out of such offers by calling (888) 5 OPT OUT.
  • Order copies of your credit report once a year to ensure that they are accurate.
  • Be mindful about where you leave personal information in your home, especially if you have roommates or are having work done in your home by others.
• If You Think You Are A Victim.
  
  • Contact the fraud department of each of the three major credit bureaus to report the identity theft and request that the credit bureaus place a fraud alert and a victim's statement in your file. The fraud alert puts creditors on notice that you have been the victim of fraud, and the victim's statement asks them not to open additional accounts without first contacting you.
  • The following three telephone numbers for the fraud departments of the three national credit bureaus are:
    Trans Union: 1-800-680-7289
    Equifax: 1-800-525-6285
    Experian: 1-888-397-3742
    
  • You may request a free copy of your credit report.
  • Review your report.
  • Contact any financial institution or other creditor where you have an account that you think may have been the subject of identity theft.
  • File a report with your local police department.
  • Contact the Federal Trade Commission's Identity Theft Hotline at 1-877-ID-THEFT (438-4338)

  If you'd like to learn more about Identity Theft, you can view the Federal Reserve Bank of Boston's public web site:
  www.bos.frb.org/consumer/identity/index.htm.

  In addition, refer to City National Bank of Florida's Consumer Privacy Policy available at its web site: citynational.com

• What You Should Know About Letter Scams.
  

  Be aware of recent fraudulent anti-terrorist letter scams that have surfaced, purporting to be from the Financial Crimes Enforcement Network (FinCEN) or from other regulatory agencies that are being sent to bank customers. These letters are not coming from FinCEN, or other regulatory agencies, but rather are part of a new scheme to attempt to elicit funds from a customer or to obtain personal information. Customers should not provide any information nor send any funds to any address indicated in these letters nor through e-mail requests. Further, customers should inform FinCEN directly of any such letters received at:
  webmaster@fincen.tres.gov.

  In addition, please note that City National Bank of Florida will never request confidential information about customers or their accounts via normal e-mail. If you receive an unsolicited e-mail that appears to be from City National Bank of Florida that requests confidential information, do not respond – but please report any such requests to the Bank.