We at First CornerStone Bank are proud of our history as a safe, strong, and secure bank. The basis of each customer relationship is trust. Protecting your privacy is important to us. At the same time, we want to offer you a broad range of financial products and services to help you accomplish your financial goals. The following policy serves as a standard for all First CornerStone bank employees for collections, use, retention, and security of nonpublic personal information.

INFORMATION COLLECTION, USE, AND SHARING

Nonpublic personal information may include, but may not be limited to, your name, your home and/or business address, your home and/or business telephone number, your Social Security number, and your deposit and loan account information.

Information about consumers is accumulated from a variety of sources. Some information is provided directly by customers. Other data is gathered as a result of our providing a product or a service to customers. Still other information is obtained from outside sources, such as credit bureaus and CHEX Systems.

Nonpublic personal information is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your loan balance, payment history, account balance, and overdraft history.

We limit the use and collection of information about our customers to that which we believe is necessary to administer our business, provide quality service, and offer opportunities that we believe may be of interest to our customers. This means that we will use information to help us identify and mitigate potential risks and losses to the bank; and to help us identify additional products and services, which we believe customers might want.

WHAT INFORMATION WE DISCLOSE

We do provide information about you and your transactions to government agencies or regulators, and to law enforcement agencies where required or allowed by law. Additionally, we disclose information to comply with subpoenas, summons, and judicial process, and to prevent fraud or other illegal activities. We may also disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us. We do not disclose any nonpublic personal information about you to anyone, except as permitted by regulation, or upon your written authorization.

In the course of our business, we maintain relationships with certain nonaffiliated third parties who act as our agents. We may share information about you with these companies to provide you with convenient access to products and services and to enable us to perform necessary business functions and services. This sharing is permitted by law and receiving agents are required to keep any information that we give them secure and confidential.

We have never in the past, no do we plan to sell any nonpublic personal information to third parties.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

SECURITY POLICIES & PRACTICES

First CornerStone Bank has established security policies and practices to help us protect your information and records from unauthorized access, use, and disclosure. We train our employees to protect the information and records that we keep. We prohibit our employees, and agents, from releasing any information about you to any third party in any manner that would violate any applicable law or our policy. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to safeguard your nonpublic personal information.

YOUR"OPT-OUT' RIGHTS

By Federal Regulations you are granted "opt-out" rights, which allow you to tell us that you do not want your nonpublic personal information disclosed to nonaffiliated third parties. These rights apply to certain circumstances. At this time, First CornerStone Bank does not disclose information about our customers in the circumstances to which these rights apply. Therefore, at this time you do not have to opt-out. If this situation should change, we will notify you.

ENDING CUSTOMER RELATIONSHIPS

If you should end your customer relationship with us, or if we should end our relationship with you, we will continue to treat all personal records and information as if you were still our customer.

At First CornerStone Bank, we value our customer relationship and recognize and respect our customers' privacy expectations. We want you to understand both how we collect and use information, and our commitment to ensuring your personal privacy. If you should have any questions or concerns, please contact us at 610-205-8100.

Your Privacy Online - For Internet Users

The digital age has made online banking an everyday reality. Our commitment to safeguard your privacy extends to the Internet. Here is some information regarding our online process:

Information we may collect:

• If you bank online and want to access your account, you'll need to supply information as requested so we can verify your identity.
• If you allow us to send you e-mail messages, we will retain the information you provide us to deliver e-mails of specific interest to you. If you choose to send an email to First CornerStone, we may retain the contents of your e-mail message, your e-mail address and our subsequent reply.
• We may use cookies, which are pieces of data that help web sites recognize return visitors, to personalize and enrich your online visits with us and to collect site-visitation statistics. If you are uncomfortable with our use of cookie technology, you can set your browser to refuse cookies. Some of our services depend on cookies and you may not be able to use those services by refusing cookies. For example, we may store the geographic region where you are located in a cookie to more quickly take you to the section of our web site with information about what First CornerStone is offering or sponsoring in your region.
• First CornerStone or its service providers may also use “tracer” technology. For example, we may use tracers to determine if certain banner advertisements have been viewed or opened or if e-mail from First CornerStone has been received or opened.

Information Storage

First CornerStone may store the information collected during your visit in an electronic database. First CornerStone uses security measures to protect against loss, misuse and alteration of data stored in our systems.

Third Party Web sites

First CornerStone’s web site contains links to third party web sites that you may find useful. Those sites may have their own privacy policies. Once you leave the First CornerStone web site, our privacy policy will no longer be in effect. You should review the privacy policy of any web site before you provide personal or confidential information.

Children’s Privacy Policy

We do not knowingly solicit data from children online, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.