First Bank of Charleston

Privacy Notice

At First Bank of Charleston, Inc we recognize the importance of personal privacy to our customers. We want you to understand how we gather, use and safeguard information about you to provide you with our products and services. The following privacy principals have been adopted to maintain the security, integrity and confidentiality of your personal financial information.

Keeping your personal financial information secure has always been one of our most important responsibilities. We value your trust and handle your personal information with care. Our employees access personal information about you when needed to maintain your accounts or otherwise meet your needs. We may also access personal information about you when considering a request from you for additional services or when exercising our rights under the law or any agreement with you.

NON PUBLIC INFORMATION WE COLLECT
We gather information about you from the following sources:

Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income.

Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions and credit card usage.

Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

When you access our web site, we use "cookies" in connection with managing the security of your password when you are using the site. Once you log off the web site, the cookie is no longer stored by us.

HOW WE PROTECT YOUR INFORMATION
We restrict access to personal 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 that comply with federal and state regulations to guard your personal information.

INFORMATION WE SHARE
We do not share any personal information about you to anyone outside the Bank except (a) if you give us permission or (b) the information is shared with our corporate affiliates or nonaffiliated third parties to assist us in performing our banking functions or providing products and services to you or to government entities in response to subpoenas, and to credit bureaus, (c) the information is shared as otherwise permitted by law. We may share your nonpublic personal information as described previously above, under arrangements with nonaffiliated third parties that market products or services on our behalf or with other financial institutions in order to offer financial products or services to you that we believe you may find valuable.

FORMER CUSTOMERS
If you close your accounts or your relationship becomes inactive, we will continue to treat the information we have collected about you in accordance with this Notice.

CORRECTIONS OR CONCERNS If you believe any of your personal information maintained at the Bank is incorrect, or if you have a privacy-related concern, please call our Privacy Officer, Joslyn Truett, at (304) 340-3000

UPDATES
From time to time, we may update or amend this notice and will notify you of those changes a required by law. You may view the most current version of this notice at any time by requesting a copy from our office.

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