Privacy Policy Notice 

Protecting your privacy is important to 1st Constitution Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all 1st Constitution Bank employees for collection, use, retention, and security of nonpublic personal information. 

What Information We Collect

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

* Information we receive from you on applications or other loan and account forms.

* Information about your transactions with us or others.

* Information we receive from third parties such as credit bureaus. 

"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 account balance, payment history, and overdraft history. 

What Information We Disclose

We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will continue to adhereto the privacy policies and practices described in this notice. 

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

ELECTRONIC PRIVACY POLICY

It is the policy of 1st Constitution Bank to recognize and respect the privacy expectations of all our customers and make available the privacy guidelines to all customers.

With the rapid growth in electronic commerce conducted over the Internet, 1st Constitution Bank deploys online systems to facilitate the convenient delivery of services and it is our policy to safeguard our customers' sensitive information. 1st Constitution Bank considers the privacy of our customers' personal information an important element of their trust and confidence in the Bank.

It is the policy of 1st Constitution Bank to collect, retain and use the information about customers only where such information is believed to be useful and allowed by law to administer the business of 1st Constitution Bank to provide products, services and other financial opportunities to its customers.

1st Constitution Bank has established procedures to ensure the accuracy of customers' financial information and that it is current and complete in accordance with reasonable commercial standards. It is the policy of 1st Constitution Bank to address any requests to correct any inaccurate information in a timely manner.

It is the policy of 1st Constitution Bank to limit employee access to personally identifiable information to those with a business reason for knowing such information. We have a training program in place to educate the employees so that they will understand the importance of confidentiality and customer privacy.

1st Constitution Bank maintains appropriate security standards and procedures regarding unauthorized access to customer information. It is our policy to take disciplinary measures to enforce employee privacy responsibilities.

It is the policy of 1st Constitution Bank not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless;

If personally identifiable customer information is provided to a third party, it is the policy of 1st Constitution Bank to insist that the third party adhere to similar privacy principles that provide for keeping such information confidential. 1st Constitution Bank makes available this policy, and its management and employees stand ready to assist customers with concerns regarding financial privacy expectations.

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