EFFECTIVE  DATE:  MARCH 18, 2003

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Forrest City Bank, NA.

This is our privacy notice for our customers.  When we use the words “you” and “your” we mean the following types of customers:

     .  Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):

             .  Deposit Account

             .  Loan Account

             .  Safe Deposit Box

             .  Retail installment contract we hold and service

     .  Former customers

We will tell you the sources of the information we collect about you.  We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.  Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours.  This is also known as nonaffiliated third party, or simply, an “other party”.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

     .  Information you give us on applications or other forms

     .  Information about your transactions with us

     .  Information about your transactions with other parties

     .  Information from a consumer reporting agency

     .  Information we receive through our Customer Identification Program

THE CONFIDENTIALITY, SECURITY AND INTERGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic and procedural safeguards to protect this information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.  Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We have the same policy about disclosing information about former customers as we do about current customers.

YOUR INFORMATION AND JOINT MARKETERS – FUTURE CHANGES

In the future, we may disclose information about you to joint marketers, even though we are not doing so now.  Here are the kinds of information we may disclose to these marketers:

     .  Information you give us on an application or other forms, such as:

               .  Name

               .  Address

               .  Social Security Number

You may not opt out of the disclosure of the information listed above.

Types of Joint Marketers

We may disclose information about you in the future to the following types of joint marketers:

     .  Financial service providers, such as

               .  Credit card company

Reasons for Disclosing

In the future we may disclose information about you to joint marketers to provide you with information about additional products and services.

Limitations on Disclosure

Here are the limitations we will impose on the use of information disclosed to joint marketers:

     .  We only allow direct mail solicitations.

     .  We do not allow telephone solicitations.