Peoples First Community Bank values you, our customer. You trust us to serve your financial needs, and we take this responsibility very seriously. One way to demonstrate this commitment is by informing you about our policy to protect your right to confidentiality. Our privacy policy is simple: Peoples First Community Bank (Peoples First) respects your right to confidentiality and does not share your personally identifiable financial information with third-parties unless it is at your request to carry out a transaction or provide a service, with your authorization, or as permitted by law. Accordingly, we will continue to do everything we can to ensure your personally identifiable financial information remains private.

Information We Collect

Peoples First collects information about you from various sources as necessary to deliver the products and services you request. We collect:

• Information you provide to us on applications, orally, or on the Internet;
• Information about your transactions and communications with us, our affiliates, or others;
• Information from consumer reporting agencies.

We may use "cookies" on some pages of our Web site for the purpose of serving you better when you return to that site. A cookie is a small element of data that a Web site can send to your browser, which may then be stored on your system. We use data collected from cookies to customize your Internet session with us.

Protecting the privacy of our children is vital. Our Internet site is not structured to attract children under the age of 13. We do not knowingly collect information from children. If you are a parent, and you observe an instance where we inadvertently collected information on your child, let us know, and we will delete it from our system.

Information We Share with Third Party Service Providers

Peoples First only shares the minimum information listed above at your request, with your authorization, or as permitted by law with our third party service providers. For example we disclose information we have about you to process your transactions, order your checks, or comply with regulators and law enforcement. A further advantage to you may arise through a joint marketing agreement in which we may offer a financial product with another company, such as a securities firm or insurance company. In all of these cases, we may disclose nonpublic personal information only to those companies that have agreed by written contract to protect your privacy by restricting the use of that information solely to offer that product or service. Rest assured that we do not sell any information about you, or lists of our customers to telemarketers or any other third party.

Information We Share within the Peoples First Family

Peoples First is dedicated to provide you with better service and a wider range of financial products now and in the future. In order to do so we may disclose all the information we collect about you as listed under the "Information We Collect" section within the Peoples First affiliated financial services: Peoples First Community Bank, Peoples First Insurance, Inc. and Peoples First Financial, Inc. This will give us an opportunity to contact you about how you can conveniently meet all your financial needs under one roof.

If you prefer that we do not share nonpublic personal information about you to our affiliates for these reasons, you may opt-out of those disclosures, that is, you may direct us not to make those disclosures (other than those disclosures permitted by law.) Please see Making Your Privacy Choices" section to find out how.

If you choose to opt out, you may still receive offers with your regular account statements. Also you may still receive offers in connection with maintaining and servicing your accounts. In these instances none of your information is shared with affiliates or third parties.

Confidentiality and Security

Peoples First establishes safeguards to ensure the security and confidentiality of your information. Furthermore, we will honor this commitment with respect to information we have in our possession even if you decide to close your accounts or they become inactive. We restrict access to your personally identifiable financial information only to those employees that need it to provide our products and services to you. We maintain physical, electronic and procedural safeguards that comply with Federal standards designed to protect your privacy.

This is our commitment to you. Peoples First respects your privacy. It's that simple.

How You Can Help Safeguard Your Information

The PFCB Family strives to maintain accuracy and high quality service in every aspect of our relationship with our customers. One important step you can take to protect your privacy is to review your statements when you receive them, and contact us immediately if you have any discrepancies in your accounts. Listed below are just a handful of other steps to safeguard your privacy:

• Do not give your account numbers, personal identification numbers, or passwords to others;
• If you write your personal identification numbers or passwords down, be sure to put them in a separate safe location;
• Never provide confidential information to unknown callers;
• Destroy documents or correspondence containing personal information before you throw them away;
• Be sure to use a secure browser when banking on the Internet;
• Exit online applications as soon as you finish using them;
• Ensure your personal computer has current virus protection, spyware protection and firewall software installed;
• Never open e-mail from unknown sources.

If you have any questions relating to this Privacy Policy, or any other privacy (information) related matter, please contact:

Connie Foster
Assistant Vice President/Regulatory Compliance
Peoples First Community Bank
1022 West 23rd Street
Panama City, FL 32405
(850) 770-7324

{Revised 10/01/2007}