Legal & Privacy

Privacy Notice

First State Community Bank — Annual Privacy Notice required by the Gramm-Leach-Bliley Act (15 U.S.C. § 6801).

Last updated: January 1, 2026

FACTS — What does First State Community Bank do with your personal information?

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 account balances; payment history and credit history; checking account information and wire transfer instructions.

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 FSCB chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does FSCB 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

Yes

For our marketing purposes — to offer our products and services to you

Yes

For joint marketing with other financial companies

We don't share

For our affiliates' everyday business purposes — information about your transactions and experiences

We don't share

For our affiliates' everyday business purposes — information about your creditworthiness

We don't share

For nonaffiliates to market to you

We don't share

To limit our sharing

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 our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Phone: Call 1-800-FSCB-NOW Mon–Fri 8am–7pmMail: First State Community Bank, Privacy Officer, 102 Main Street, Hometown, ST 00000In person: Visit any FSCB branch and speak with a banker

Who we are

Who is providing this notice? First State Community Bank, an independently owned community bank chartered under state banking law and insured by the Federal Deposit Insurance Corporation (FDIC).

What we do

How does FSCB 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 buildings. We restrict access to your personal information to those employees who need it to provide products or services to you. Employees who violate our privacy policies are subject to disciplinary action, including termination of employment.

How does FSCB collect my personal information?

We collect your personal information, for example, when you:

Open an account or apply for a loan
Make deposits or withdrawals from your account
Pay your bills or apply for a credit card
Tell us about your investment or retirement portfolio
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 certain sharing — 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. See below for more on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. FSCB does not share with affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. FSCB does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. FSCB does not jointly market.

Other important information

California residents: California law gives you additional rights to limit sharing of your personal information. For more information, contact us using the information in the "To limit our sharing" section above.

Vermont residents: Vermont law gives you the right to opt out of certain disclosures of your personal information to nonaffiliates. We will not disclose information about you to nonaffiliates without your authorization.

Questions? Contact our Privacy Officer at privacy@fscb.com or call 1-800-FSCB-NOW.

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Reasons we can share your personal information

Does FSCB 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

Yes

For our marketing purposes — to offer our products and services to you

Yes

For joint marketing with other financial companies

We don't share

For our affiliates' everyday business purposes — information about your transactions and experiences

We don't share

For our affiliates' everyday business purposes — information about your creditworthiness

We don't share

For nonaffiliates to market to you

We don't share

To limit our sharing

Phone: Call 1-800-FSCB-NOW Mon–Fri 8am–7pmMail: First State Community Bank, Privacy Officer, 102 Main Street, Hometown, ST 00000In person: Visit any FSCB branch and speak with a banker

What we do

How does FSCB protect my personal information?

How does FSCB collect my personal information?

We collect your personal information, for example, when you:

Open an account or apply for a loan
Make deposits or withdrawals from your account
Pay your bills or apply for a credit card
Tell us about your investment or retirement portfolio
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?

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. FSCB does not share with affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. FSCB does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. FSCB does not jointly market.

Other important information

Questions? Contact our Privacy Officer at privacy@fscb.com or call 1-800-FSCB-NOW.