Protecting your privacy is important to First Community Bank. We want you to understand what information we collect and how we use it. We will tell you the sources for nonpublic personal information we collect on our customers, and the measures we take to secure that information

Important Notice About Customer Information

First Community Bank values the trust and confidence you have placed in us as your financial institution. We believe every customer's personal information should be handled with care. To ensure that we live up to your trust, we have defined the procedures we will use to protect customer information, even to the point of written agreements with our service providers or vendors that they are not to use this information except for our behalf. We want you to understand how we obtain and use information about our customers, but most of all to let you know we value our relationship with you. We will not disclose your nonpublic personal information to nonaffiliated parties, except as permitted by law.

Sources of Information We Collect

So that we can make informed decisions about extending services to our customers, we may collect nonpublic personal information about customers from several sources:

  • Information we receive from you on applications or other forms, including financial statements
  • Information about your transactions with us
  • Information we obtain from a consumer reporting agency

Our Security Procedures That Protect Customer Information

We protect our customers' privacy by restricting access to personal and account information to those employees who need to know that information to provide products or services. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Examples of nonpublic personal information we obtain in providing a financial product or service to you would be your account balance, credit history, overdraft history, and a financial statement.

Authorized Sharing of Customer Information

Information will only be disclosed to third parties under certain conditions such as: To service providers and companies that perform marketing services on our behalf (for example, check printers, payment books, etc.).

  • As part of the routine course of business, such as servicing a loan or account with us and sharing with reputable credit reporting agencies.
  • As required by law (for example, to government entities in response to subpoenas).
  • If we have written permission from the account holder.

Federal law allows us to disclose the information listed above with companies or other financial institutions that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information.

Consumer's Right to Opt-Out

First Community Bank does not currently share personal customer information with non-exempt third parties; therefore you do not have an opt-out option. Currently we have no plans to share any of this information with non-exempt third parties. However, if we would decide to in the future, the opt-out option will be offered to our customers.

We believe that keeping your trust is very important, so if you should have inactive or closed account(s) with us, we will continue to adhere to the policies and practices described in this notice. We value your business and hope you will remain with us for many years to come.

FACTS WHAT DOES FIRST COMMUNITY BANK OF TENNESSEE 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 of Tennessee 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 Yes No
For our marketing purposes – to offer our products and services to you Yes No
For joint marketing with other financial companies No We don't share
For our affiliates’ everyday business purposes –information about your transactions and experiences No We don't share
For our affiliates’ everyday business purposes –information about your creditworthiness No We don't share
For non-affiliates to market to you No We don't share
Questions? Call 931-684-5800 or go to www.firstcommunitybanker.com
Who We Are
Who is providing this notice? First Community Bank of Tennessee; Shelbyville, TN
What We Do
How does First Community Bank of Tennessee 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 of Tennessee 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, 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.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.
  • First Community Bank of Tennessee does not share customer's information with Affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • First Community Bank does not share with nonaffiliates.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • First Community Bank does not jointly market.
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