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The Company's Board of Directors maintains a process for shareholders to communicate with the Board of Directors. Shareholders wishing to communicate with the Board of Directors should send any communication to Board of Directors, 1st Constitution Bancorp, c/o President and Chief Executive Officer, P.O. Box 634, 2650 Route 130 North, Cranbury, New Jersey 08512. Any such communication should state the number of shares owned by the shareholder. The President and Chief Executive Officer will forward such communication to the Board of Directors or as appropriate to the particular Committee Chairperson, unless the communication is a personal or similar grievance, a shareholder proposal or related communication, an abusive or inappropriate communication, or a communication not related to the duties or responsibilities of the Board of Directors, in which case the President and Chief Executive Officer has the authority to discard the communication. All such communications will be kept confidential to the extent possible. The Board of Directors also maintains a process for shareholders to communicate with non-management directors of the Board of Directors. Shareholders wishing to communicate with the non-management directors should send any communication to Board of Directors, 1st Constitution Bancorp, c/o President and Chief Executive Officer, P.O. Box 634, 2650 Route 130 North, Cranbury, New Jersey 08512. Any such communication should state the number of shares owned by the shareholder. The President and Chief Executive Officer will forward such communication to the non-management directors, unless the communication is a personal or similar grievance, a shareholder proposal or related communication, an abusive or inappropriate communication, or a communication not related to the duties or responsibilities of the non-management directors, in which case the President and Chief Executive Officer has the authority to discard the communication. All such communications will be kept confidential to the extent possible. |
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Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts
1st Constitution Bank is participating in the FDIC's Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. The temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing checking account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking account or demand deposit accounts that may earn interest, NOW accounts, money market deposit accounts, and Interest on Lawyer Trust Accounts (IOLTA’s).
Funds that are automatically transferred, or “swept” from a noninterest-bearing transaction account to another account that does not qualify as a noninterest-bearing account will no longer be fully covered under the Transaction Account Guarantee Program (TAGP).
Equal Opportunity Housing Lender
Equal Housing Lenders. 1st Constitution Bank is a member FDIC. © 2000 1st Constitution Bancorp. All Rights Reserved.
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IMPORTANT INFORMATION ABOUT PROCEDURES
FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.