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Whistleblower Policy

This Policy provides a means for the confidential, anonymous submission of a concern regarding questionable accounting or auditing matters. The Policy includes a form and instructions that can be used for the submission of a concern. Any employee who has a good faith concern is encouraged to report it.

First Citizens Banc Corp is prohibited from retaliating against an individual, who in good faith, has reported or complained of a concern; however, individuals are prohibited from deliberately making false reports.

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Temporary Liquidity Guarantee Program - Our institution has elected to participate in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.