Our Privacy Policy

Privacy Policy

FACTS

WHAT DOES FIRST COMMUNITY BANK AND TRUST DO WITH YOUR PERSONAL INFORMATION?

WHY?

Financial institutions 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
transaction 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 institutions 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 and Trust choose to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does First Community Bank and Trust 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	Yes	No
For our affiliates' everyday business purposes— information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes— information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Call (708) 946-2246 or (708) 258-0530

Who we are
Who is providing this notice?	First Community Bank and Trust

What we do
How does First Community Bank and Trust 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 and Trust collect my personal information?	We collect your personal information, for example, when you: open an account or deposit money pay your bills or apply for a loan use your 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

What we do

How does First Community Bank and Trust 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 and Trust collect my personal information?

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

open an account or deposit money
pay your bills or apply for a loan
use your 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 non-affiliates 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. Our affiliate is First Community Bancorp, Inc.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Our nonaffiliates include secondary mortgage companies, software companies, and check printing companies.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include checking account benefit providers.

Rev. 1/2025