Internet Privacy Statement

New Century Bank is committed to providing to its customers financial products and services, which are useful, convenient, and economically competitive. To effectively and efficiently provide such products and services, it is necessary for New Century Bank to obtain certain information from our customers and from other sources. Technology, marketing practices, safety and soundness requirements, underwriting standards, and state and federal laws and regulations are but a few of the many reasons that it is necessary to accumulate information about individuals when they establish a relationship with New Century Bank.

As a customer of New Century Bank, or of any financial institution, you have the expectation that information about your personal and financial circumstances will be treated with appropriate confidentiality. That expectation and the trust that customer information will not be improperly disclosed or otherwise misused are fundamental to New Century Bank's relationships with our customers. At New Century Bank, we recognize and are sensitive to your privacy concerns. We therefore assure you that we will take all reasonable steps, consistent with state and federal laws and regulations and normal business practices, to protect your privacy by keeping confidential information shared with us.

Information about our customers is collected, used and retained only where it is reasonable necessary and useful in administering our business and in providing financial products and services to our customers. We have procedures intended to assure that customer information is accurate, current and complete in accordance with commercial standards and applicable laws and regulations. Security procedures and policies limit employee access to personally identifiable information to those with a business reason to know such information. In addition, employees are informed of and trained in their responsibility to protect confidential customer information.

New Century Bank may provide or disclose specific information about customers' accounts or other business relationships with us when 1) requested or expressly authorized by customer, 2) necessary to properly execute a transaction initiated by a customer, 3) required to assert a legal claim, and 4) lawfully permitted or required. In addition, we may provide information to consumer reporting agencies, to third party participants and vendors with which we do business.

As technological advances rapidly enhance public access to the financial marketplace, New Century Bank is pleased to be able to offer many of its financial services to customers by means of the Internet. Customers may have special concerns regarding information confidentiality and privacy on the Internet. New Century Bank shares that concern, and is committed to protection of customer information on the Internet.

We do not collect personal identifying information about those who are merely visiting our Web site. Standard software is used to collect and store only the following non-identifying information about visitors: the name of the domain from which you access the Internet; the date and time you access our Web site; and the Internet address of the Web site from which you linked to our site.

When you access our Web site to apply for accounts or services, you may be asked to provide online personal information that is necessary for us to process your application or to otherwise provide the services which you request. To ensure that information submitted online remains confidential, all information is transmitted by means of a secure connection using encryption. We, and the outside companies with which we work, may maintain the information you provide to us in order that we can meet your financial needs. After you furnish information online to apply for an account or other service, it is recommended that you terminate your browser session before leaving your computer.

Customers often communicate with us by use of e-mail. In order to efficiently respond to e-mail communications and to meet legal and regulatory requirements, we will preserve the text of your e-mail, your e-mail address, and our response. Although information submitted to us by e-mail is treated as confidential and used only as appropriate for business purposes, visitors to our Web site are advised that e-mail communications may not be wholly secure from interception.

To make our Web site as efficient as possible to our online visitors and customers, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our Web site server. "Cookies" are used to determine if you have previously visited our Web site and for administrative purposes. "Cookies" are frequently used on Web sites and do not harm your system. They are not used to collect personally identifiable information or to determine who you are or your e-mail address.

Obtaining and maintaining accurate, complete, and current account information is essential to the efficient administration of the relationships with our customers. If you find that our records are inaccurate, incomplete or not current, please contact us at the telephone number on your account statement. We will correct the information as quickly as possible.