FCB Privacy Policy

Introduction

At First Community Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with FCB, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

Recognition of a Customer's Expectation of Privacy

We recognize your right to privacy at First Community Bank. We recognize that you have a right to expect your personal financial information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all times.

Customer Benefits of our Information Management Practices

We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes – and we will tell you why we are collecting and retaining it upon your request. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services, and to understand your financial needs so that we can provide you with quality products and superior service. We will use this information only in accordance with the principles set out in this Policy.

Maintenance of Accurate Information

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Limitations on Employee Access to Information

At First Community Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all FCB employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

Protection of Information via Established Security Procedures

First Community Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Restrictions on the Disclosure of Account Information

When it comes to sharing customer information with unaffiliated companies, First Community Bank places strict limits on who receives specific information about customer accounts or other personally identifiable data. FCB may share information with such companies if they provide a product or service that may benefit our customers. Whenever we do this, we carefully review the company and the product or service to make sure that it provides value to our customers. We share the minimum amount of information necessary for that company to offer its product or service.

We may also share this information with unaffiliated companies when: they assist us in providing our products and services to our customers; in the normal course of our business (for example, with consumer reporting agencies and government agencies); it is legally required or permitted in connection with fraud investigations and litigation; in connection with acquisitions and sales; and at the request or with the permission of a customer.

Maintaining Customer Privacy in
Business Relationships with Third Parties

When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

Providing Privacy Information to Customers
and Responding to Inquiries

At First Community Bank, we value our customer relationships. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles, which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call us at 270-653-4301 or contact us at: First Community Bank, 114 East Jackson Street, PO Box 138, Clinton KY 42031