Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts: All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Privacy Notice

FACTS	WHAT DOES FIRST COMMUNITY BANK OF BEDFORD COUNTY 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 Income Account Balances and Payment History Credit History and Credit Scores *When you are no longer* our customer, we continue to share your information as described in this notice.**
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 information	Does 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	YES	NO
For our marketing purposes-- to offer our products and services to you	YES	NO
For joint marketing with other financial companies	NO	NO

For our affiliates' everyday business purposes-- Information about your transactions and experiences	NO	NO
For our affiliates' everyday business purposes-- Information about your creditworthiness	NO	NO
For nonaffiliates to market to you	NO	NO

Questions?	Call 931-684-5800 or go to www.firstcommunitybanker.com

Who we are
Who is providing this notice?	First Community Bank of Bedford County; Shelbyville, TN

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 buildings.
How does First Community Bank collect my personal information?	We collect your personal information, for example, when you open an account or pay your bills deposit money or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit bureaus.
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.

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. *First Community Bank does not have any Affiliates.*
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. *First Community Bank does not share customers' information with any Nonaffiliates.*
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. *First Community Bank does not share customers' information for joint marketing purposes.*
Other Important Information