• Information we receive from you on applications or other loan and account forms such as your name, address, social security number, assets, liabilities, employment, income and expenses;
• Information about your transactions with us, our affiliates, or others such as your loan or deposit account balances, payment history, parties to transactions, or ATM or debit or credit card usage; and
• Information we receive from a consumer reporting agencies, such as your creditworthiness and credit history.

Disclosure of Non-Public Personal Information. We do not disclose non-public information about our customers or former customers to non-affiliated third parties, except as permitted or required by law.

Other Disclosures. We may also disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements to offer financial products and services to you. These business partners contractually agree to keep the information confidential and not use it for any other business purpose. We may also share all of the information we collect within our corporate family, subject to law. The members of our corporate family are all financial institutions, such as a holding company, mortgage broker, financial advisor and the like.

Our Employees' Access to and Use of Customer Information. Each of our employees has responsibility for maintaining the confidentiality of customer information they use. We require all employees to agree in writing to protect the confidentiality of customer information and to use it only for our business purposes. Our policy is to prohibit employees from accessing your personal information unless there is a business reason to do so. For example, internal access and sharing of information about you within our various service units occurs to evaluate, structure and facilitate the services you have requested or to inform you of other financial services that may be of interest to you. We train our employees to recognize the importance of customer confidentiality. Employees who violate these standards are subject to disciplinary measures.

Former or Inactive Customers. If you decide to close your account(s) or become a former or inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures. We take other steps to safeguard customer information maintaining physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

Availability of Privacy Policy. This disclosure is available in our banking offices, and on-line web site at: www.1stcent.com.

Information About this Privacy Notice. We reserve the right to make changes to this policy at any time. We will notify our customers if we do so, as required by law.

Online Privacy Guidelines

General Access. The Bank's web site is accessible to the public. When any person visits the website the Bank may collect certain basic information, such as how many people visited the site and what pages were visited. All of the information gathered at our web site is general. The Bank uses this general information to determine which parts of the web site are most popular, how people access the site, how it can improve the content of the web pages, and how service can be improved to our customers.

How We Handle E-mail and Secure Communications.
Email is not a secure environment. Email addresses for key bank personnel and the general email address of the bank are published on the website. When sending an email to us, do not provide sensitive or confidential information (for example, your account number). Communication to us via “Quick Inquiry” or “Password Help” forms found on the website, however, are links to a secure communications channel. Whenever you complete an online “Quick Inquiry” form or “Password Help” form, it is encrypted through Secure Socket Layer (SSL). SSL technology secretly encodes information that is being sent over the Internet between your computer and 1st Centennial Bank, helping to ensure that the information remains confidential. After you have submitted your form online, we recommend that you end your browser session before leaving your computer.

Consolidation Sites. Please use caution when using consolidation sites. Consolidation sites are Internet sites, which offer the ability to collect all of your personal information on one site. For example, you may be encouraged to provide consolidation sites with your personal financial information.

Linking to Other Sites. We may provide links to other Web sites that are not controlled by 1st Centennial Bank. If you choose to link to Web sites that are not controlled by 1st Centennial Bank, we are not responsible for the privacy or security of these sites. You are encouraged to review the Web site’s privacy policy before providing any personal information. In addition, 1st Centennial Bank does not guarantee the products, information or recommendations provided by these sites.

NEVER PROVIDE THIS INFORMATION TO A SITE THAT YOU DO NOT RECOGNIZE AND FULLY TRUST.

YOU SHOULD KNOW: All transactions initiated by a consolidation site using access information you provide are considered to be authorized by you, whether or not you were aware of the specific transaction. You may revoke this authority only by notifying us using procedures we establish, and we may need to block your account until we issue new access codes.

About "cookies." A cookie is a small bit of information placed on your computer by a web site, which later can be retrieved. A cookie is a way for a web site to recognize whether or not you have visited the site before. The cookie cannot be read by a web site other than the one that “set” the cookie. They do not read your hard drive or contain any information that you have not already explicitly revealed. None will contain information that will enable anyone to contact you via telephone or email. We do not store encrypted personal information in the form of cookies. We may use cookies to access stored passwords or to enable users to customize information.

Protecting Our Children. We do not knowingly solicit data from children and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

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