This is the privacy notice of Twin City Bank and its affiliates:

FirsTrust Financial Services, Inc.--Conway, AR
Bank of Mountain View--Mountain View, AR
Marine Bank of the Florida Keys--Marathon, FL
First State Bank--Conway, AR

• First Data Solutions, Inc--Conway, AR
• First State Insurance Agency, Inc.

Twin City Bank--North Little Rock, AR
Community Bank--Cabot, AR

• Community Insurance Agency, Inc.
• Grand Prairie Title Company
• Lonoke Abstract Company
• Community Title Services

For a complete listing of the affiliates, please contact a bank customer service representative at (870) 269-3815.

From the time it was founded, Twin City Bank has always highly valued its customers' privacy. We have protected your confidential information in many ways over the years, and will continue to do so using state-of-the-art measures. We never lose sight of the fact that our customers' trust is our most valuable asset. You may be assured that our corporate focus is the protection of your privacy in your dealings withus. If you ever have any questions about the confidentiality of your information in our hands, please contact us. Every day, we appreciate your business. Thank you for banking with Twin City Bank.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms you provide to us;
• Information about your transactions with us, our affiliates, or others;
• Information we receive from a consumer reporting agency; and
• Information we receive from third parties in verifying information you have provided to us.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as provided by law. We may disclose our transaction and experience-based information about our customers and former customers to our affiliates provided that the affiliate may not use the information for a marketing purpose.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you or to process transactions to your accounts.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

What You Can Do To Protect Your Own Personal Information

We also recommend that you take the following precautions to guard against the disclosure and unauthorized use of your account and personal information:

• Never provide personal information (including full Social Security numbers or account and credit card information) over the phone unless you have initiated the call and know with whom you are speaking or via e-mail.
• Safeguard ATM, credit and debit cards.
• Memorize personal identification numbers (PINs) and refrain from writing PINs, Social Security numbers or credit card numbers where they may easily be found.
• Immediately change preassigned PINs to a personally memorized PIN.
• Do not use easily identifiable numbers such as birth dates, addresses, phone numbers or Social Security numbers when choosing your PIN.
• Store cancelled checks, new checks and account statements in a safe place.
• Tear up or shred unused preapproved credit offers; and
• Report lost or stolen checks, credit and debit cards immediately.

You may contact the following agencies if you wish to reduce the amount of advertising you receive from companies outside of Twin City Bank:

To have your name removed from all preapproved credit solicitations lists, you may call the credit reporting industry Pre-screening Opt-Out number at 1-888-5OPTOUT (567-8688).

To have your phone number added to the National Do Not Call Registry, you may call 1-888-382-1222 or register on-line at www.fcc.gov/cgb/donotcall. While this may stop most calls, you may still receive calls from businesses where you are a customer.

In order to determine if you have been a victim of identity theft, you may obtain a free annual credit report online at www.annualcreditreport.com. Please contact any Twin City Bank loan officer for assistance in reviewing your personal credit report.

About Children's Online Privacy
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Twin City Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, visit the Federal Trade Commission's website at http://www.ftc.gov/privacy/privacyinitiatives/childrens. For further information, the Federal Government has created a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.