As a consumer customer of First Century Bank, N.A. (First Century) you have and/or will furnish us with information about yourself. At First Century Bank, N.A. we understand your concerns about the privacy of this information. We want you to know that your privacy is a priority. We will use this information appropriately to handle your accounts in a professional and efficient manner, to provide you with exceptional service, and to provide products and services that meet your financial needs and expectations.

First Century has adopted a policy for handling the information you provide to us in an appropriate manner, keeping in mind the confidential nature of your information.

The purpose of this notice is to describe and disclose to you the privacy policies and practices of First Century Bank, N.A.

Information collected by First Century Bank, N.A.:

In the process of providing financial products and services to you, First Century collects certain non-public personal information about you. This policy applies to that nonpublic personal information which includes:

• Information that you provide to us on applications and other forms;

• Information from credit reporting agencies regarding your credit history or creditworthiness;

• Information about you that we receive from third parties that assists us in assessing your application for First Century products and services, such as account and employment status to determine loan eligibility; and

• Information about your transactions with First Century such as your account balances, payment history and transaction details.

Information sharing by First Century Bank, N.A.:

First Century Bank, N.A. will not disclose information we have about you to non-affiliated third parties except as necessary to enforce or facilitate a transaction (such as with parties to a check or in order to obtain a product for you) or as otherwise legally required or permitted (for example, in response to a subpoena, garnishment or tax levy or to a credit bureau), or otherwise as you permit.

We will share such information with companies that perform services for us as is necessary to perform those services (such as check printing, data processing, marketing and mailing) and with other financial institutions with whom we have joint marketing agreements. We require these companies and institutions to maintain the confidentiality of the information we share with them.

We will not share information concerning your account balances, transaction history, creditworthiness or credit history except with credit reporting agencies or with your permission.

We share information only as explained in this notice and as otherwise permitted or required by law.

Confidentiality of Information:

First Century Bank, N.A. maintains procedural, physical, and electronic safeguards that comply with federal regulations to safeguard this information. Our employees are required to handle this information in a confidential manner and are subject to disciplinary action if they obtain or use any of this information in violation of this policy.

Please note that even after you are no longer a First Century customer, information about you will still be handled in the manner described in this notice.