• Privacy Notice
• Customer Identification Notice
• Business Continuity Plan Disclosure Statement

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean First Community Bank.

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

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 known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT
We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR 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 OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account 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
  • Assets
  • Income
  • Age
  • Beneficiaries
• Information about your transactions with us, such as:
  • Account balances
  • Account activity
  • Types of accounts
  • Parties to the transaction
  • Credit card usage
  • Payment history
  • Deposit history
• Information we receive from a credit reporting
  agency, such as:
  • Creditworthiness
  • Credit history

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

Types of Businesses
We may disclose information pursuant to joint marketing agreements to the following types of businesses:

• Financial service providers, such as:
  • Securities broker-dealers

CUSTOMER IDENTIFICATION NOTICE

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

BUSINESS CONTINUITY PLAN DISCLOSURE STATEMENT

It is the policy of First Community Bank (the “Bank”) to make you aware of our business continuity plans in case of an emergency. The Bank plans are designed to ensure that our operations will continue to function with little or no disruption, that our customers’ accounts will be secure and accessible, and that our customers will be able to reach us regardless of the scope of the situation or event. The Bank has developed a Business Continuity Plan (BCP) with respect to how we will respond to events that could significantly disrupt our operations. Our BCP was designed to be flexible in responding to actual events as they occur, since the timing and impact of disasters and disruptions is unpredictable. With that in mind, we are providing you with this information.

• Contacting Us. Should one of our branch or facility locations be affected we will move the operations to our alternate location where we are able to serve our customers as effectively as possible. Calls to the affected location will be re-routed to the alternate location where we have access to all of the same systems to serve you. In the event of a prolonged disruption to one of our branch or facility locations, our BCP provides for more permanent relocation of staff to an alternate location, where we will continue to provide the best service possible. If you cannot access us through our telephone lines, our website will be updated with further information at www.firstcb.com.

• Business Continuity Plan. It is the policy of the Bank to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the Bank’s books and records, and allowing our customers to transact business. Our BCP is designed to permit us to resume operations as quickly as possible, given the scope and severity of the significant business disruption.

Our BCP addresses: data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, and counter-party impact; regulatory reporting; and assuring our customers prompt access to their accounts if we are unable to continue our operations.

We back up our important records in a geographically separate area. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, the objective is to restore our operations and be able to complete existing transactions and accept new transactions as soon as possible. Your transactions could be delayed during this period.

• Varying Disruptions. Significant business disruptions can vary in scope, such as a single office or facility, the immediate area where more than one office or facility is located, the city where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption where only a single location is affected, we will transfer our operations to a location when appropriate and expect to recover and resume operations as soon as possible. In a disruption affecting multiple offices or facilities such as a city or region, we will transfer our operations to a location outside of the affected area, and recover and resume operations as soon as possible. In either situation, we plan to continue in business, and will notify you through our web site at www.firstcb.com. All telephone calls placed to our main line will be forwarded to our alternate location if telephone service has not been interrupted.

• Additional Information. Please contact us by telephone at (231) 526-2114 or by e-mail at info@firstcb.com if you have questions about the Bank’s Business Continuity Plan.