ONLINE PRIVACY GUIDELINES

Protecting Information Online

Whether you are a current customer or just visiting our web site, we safeguard the information you provide us at http://www.1stcombank.com The use and protection of this information is described below:

Protecting your online banking

When you bank online with us, we, along with the outside company we work with to bring these services to you, have access to your information. This information is protected from unauthorized access from the Internet. For example, Regency provides advanced security technology and also requires an I.D. and password to access your accounts. If you do not provide this information, we cannot establish an online banking service for you.

To further maintain the security of your banking information, it is important that you do not share your I.D. or password with anyone, as well as changing your password regularly.

Protecting your privacy online

Information requested by you on our web site is protected by Secure Socket Layer (SSL) protocol. This technology ensures that data passing though the Internet is kept secure by using encryption or scrambling your account information so its virtually impossible for anyone other than First Community Bank to read it.

Customer logins require a Customer ID (assigned by the bank) and PIN. A private PIN must be chosen the first time that you use the system. Bank personnel can not see a private PIN that has been set by you.

When information is collected and not collected

You will be required to provide information such as your e-mail address or your account number to enable you to perform certain tasks, (for example, review your accounts or correspond with us). In these cases, we collect your information if necessary to interact with you. If you do not login, you may browse our web site anonymously, and personal information is not collected. Every "hit" on our Web site is recorded, even anonymous browsing.

We gather and analyze data regarding usage of our web site, including how many failed login attempts occur, number of hits, if a customer is locked out and how long, viewed accounts page, etc., to evaluate the usefulness of our site.

About "cookies"

A "cookie" is a small text file placed on your hard drive by our web page server. Absolutely no sensitive information is kept in cookies in Internet Banking. Regency Internet Banking will be using a cookie, but only to keep track of the session and to enable session timeout (security enhancements). The cookie will expire after the site has been used and even if it somehow remained it would be useless to anyone who saw it.

We gather and analyze data regarding how many failed login attempts occur, number of hits, if a customer is "locked" out and how long, viewed accounts page, etc., to evaluate the usefulness of our site.

Protecting our children

We do not solicit data from children, and we do not knowingly market to children. Protecting children´s identities and privacy online is important and the responsibility to do so is with both the online industry and with the parents.

Our commitment to privacy

We recognize and respect the privacy expectations of our customers. We want you to understand our commitment to privacy in our use of your information. Whether this information is provided through one of our locations, over the phone or through the Internet, you can count on us to protect your privacy and the information you share with us.