• We do not sell customer information to other companies for marketing purposes.
• We employ strict security standards and safeguards to protect your personal information and prevent fraud.
• We will continue to protect your privacy, even if you are no longer a customer.

We share only what is necessary or customary in order for us to conduct our business and comply with applicable laws. For example, in order to provide products and services to you, we sometimes work with various other companies that help us with tasks such as processing transactions and creating monthly statements. We also make disclosures that are required by law, such as disclosures to law enforcement agencies, court orders and IRS subpoenas. We carefully select the outside companies that provide services on our behalf and restrict the information we provide them to that which is necessary to fulfill their responsibilities or offer a service to you. These companies are prevented by legal agreement from using customer information for their own purposes or selling this information to others.

This notice applies to both First County Bank and our wholly owned subsidiary, First County Bank Mortgage Company.

In the course of doing business, we do collect nonpublic personal information about our customers from the following sources:

• Information we receive directly from you on applications and other forms;
• Information from transactions on your accounts with us, our affiliates or others; and
• Information we receive from an outside source such as a consumer reporting agency.

From time to time we may share some or all of the nonpublic personal information we collect, as described above, with nonaffiliated companies. These companies may be companies that perform marketing services on our behalf or financial institutions with which we have joint marketing agreements. The nonaffiliated financial institutions may include service processors that provide our credit card services. The non-financial companies may include, for example, companies that assist us with mailing and data analyses.

We may also disclose nonpublic personal information with nonaffiliated third parties as permitted by law. Such sharing of information generally occurs in the course of conducting business, and may include, for example:

• sharing information with consumer reporting agencies;
• with businesses used by us for account maintenance and servicing;
• to comply with applicable law;
• and to protect against fraud.

We also have policies in place that are designed to limit access to nonpublic personal information about you to those employees who need to know that information about you to complete transactions for you, to offer other financial services of the bank that may be of interest to you, or to complete other work on our behalf. We also maintain physical, electronic and procedural safeguards that comply with federal standards to protect your nonpublic personal information.

If you decide to close your accounts or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

This privacy notice is merely a summary of select aspects of policies and procedures and does not constitute a contract. We reserve the right to revise the policies and procedures described in this privacy notice from time to time.

First County Bank has committed itself to serving you and protecting your personal information. We welcome the opportunity to answer additional questions you may have about this statement or the safeguarding and confidentiality of your information. If you have any questions about our privacy policy, please feel free to call (203) 462-4200.