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FACTSWHAT DOES FIRST COMMUNITY BANK DO WITH YOUR PERSONAL INFORMATION? - Rev 12/2010
Why?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?The types of personal information we collect and share depend on the product or service you have with us. This information can include:
     
  • Social Security number and income
  •        
  • account balances and payment history
  •        
  • credit history and credit scores 
  •    
    How?All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons First Community Bank chooses to share; and whether you can limit this sharing.


    Reasons we can share your personal informationDoes First Community Bank share?Can you limit this sharing?
    For our everyday business purposes -
    such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
    YesNo
    For our marketing purposes -
    to offer our products and services to you
    YesNo
    For joint marketing with other financial companiesYesNo
    For our affiliates' everyday business purposes -
    information about your transactions and experiences
    YesNo
    For our affiliates' everyday business purposes -
    information about your creditworthiness
    NoWe don't share
    For our affiliates to market to youYesYes
    For nonaffiliates to market to youNoWe don't share


    To limit our sharing
    • Call Toll-Free 1-888-780-8391 - our menu will prompt you through your choice(s)
    Please note:
    If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a customer, we continue to share your information as described in this notice.
    However, you can contact us at any time to limit our sharing.
    Questions?Call Toll-Free 1-888-780-8391


    What we do
    How does First Community Bank protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buldings.

    We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you.
    How does First Community Bank collect my personal information?We collect your personal information, for example, when you
         
             
    • apply for a loan or open an account
    •        
    • make deposits or withdrawals from your account or provide account information
    •        
    • give us your income information
    •      
            We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
         
      Why can't I limit all sharing?Federal law gives you the right to limit only
           
               
      • sharing for affiliates' everyday business purposes - information about your creditworthiness
      •        
      • affiliates from using your information to market to you
      •        
      • sharing for nonaffiliates to market to you
      •      
              State laws and individual companies may give you additional rights to limit sharing.
           
        What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on your account


        Definitions
        AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
             
        • Our affiliates include nonfinancial companies, such as Community Insurance Professionals, Inc.
           
        NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
             
        • First Community Bank does not share with nonaffiliates so they can market to you.
           
        Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
             
        • Our joint marketing partners include an investment brokerage company. This company is contractually obligated to keep information confidential and to use the information only for the purposes authorized.
           


        Other important information


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