Privacy Notice

Rev. 07/2025

FACTS	WHAT DOES SEACOAST BANK DO WITH YOUR PERSONAL INFORMATION?
WHY?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?	The types of personal information we collect, and share depend on the product or service you have with us. This information may include: Social Security number and income Credit history and credit scores Account balances and account transactions
HOW?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Seacoast Bank chooses to share; and whether you can limit this sharing.

FACTS

WHAT DOES SEACOAST BANK DO WITH YOUR PERSONAL INFORMATION?

WHY?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

WHAT?

The types of personal information we collect, and share depend on the product or service you have with us. This information may include:

Social Security number and income
Credit history and credit scores
Account balances and account transactions

HOW?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Seacoast Bank chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION	DOES SEACOAST BANK SHARE?	CAN YOU LIMIT THIS SHARING?
For our everyday business purposes: Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	YES	NO
For our marketing purposes: To offer our products and services to you	YES	NO
For joint marketing with other financial companies	YES	NO
For our affiliates' everyday business purposes: Information about your transactions and experiences	YES	NO
For our affiliates' everyday business purposes: Information about your creditworthiness	YES	YES
For our affiliates to market to you	YES	YES
For nonaffiliates to market to you	NO	WE DON'T SHARE

TO LIMIT OUR SHARING	Please Note: For Citizens First Bank customers, Seacoast Bank will not be able to capture your privacy preferences until conversion of your Citizens First Bank accounts to Seacoast Bank. This is scheduled to occur in July 2026. Seacoast Bank will not share any customer data during this interim period.
QUESTIONS?	Call 352-753-9515 or go to www.MyCitizensFirst.com

WHO WE ARE

Who is providing this notice?

Seacoast Bank means Seacoast National Bank and Seacoast Banking Corporation of Florida.

WHAT WE DO

How does Seacoast Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Seacoast Bank collect my personal information?	We collect your personal information, for example, when you: Open an account Make deposits or withdrawals from your account Apply for a loan Use your credit or debit card Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only: Sharing for affiliates' everyday business purposes - information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

DEFINITIONS

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include: Nature Coast Insurance Various financial companies with or without the Seacoast name. Various property service companies with or without the Seacoast name.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Seacoast Bank does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include our credit card partner, securities broker dealer, leasing, and service providers.

OTHER IMPORTANT INFORMATION

State Law: We follow state law if state law provides you with additional privacy protections. For example, we automatically treat customers with a Vermont mailing address as having limited our sharing with affiliates and nonaffiliates, unless you give us authorization for such sharing.

Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.