NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

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

*All of our consumer customers who have a continuing relationship with us, such as:

* All persons (individuals) who do not have a continuing relationship with us but who may use a financial product or service we provide in isolated transactions. This includes, for example, someone who:

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

We, our, and us means New People's Bank, Inc.

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.

An affiliate is a company we own or control, a company that owns or controls us, and 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 non-affiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

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

We do not disclose any nonpublic personal information about you to anyone, except as authorized by law.

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal 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 that comply with federal regulations to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NON-AFFILIATED THIRD PARTIES

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to non-affiliated third parties, except as permitted by law.

DISCLOSURE of INFORMATION AMONG AFFILIATES

This Institution shares certain personal information about you with companies which are affiliated with this Institution by common control. We share information as permitted by law in order to provide you with better services and more options. This shared information includes what we receive from consumer reports and applications for financial products or services such as your income and social security number, and other information contained in credit reports. This information may be used to determine whether you qualify for other types of services and products before a solicitation is made.

You may limit the disclosure of your personal information by notifying us that you do not want your personal information shared with entities affiliated with the Institution. This written notice should include your complete name, address (as it appears on your account), Social Security Number, account type and account number and be directed to New Peoples Bank, Inc. at PO Box 1810, Honaker, VA 24260.

Your request should be mailed in a separate envelope and should not be included with any other New Peoples Bank, Inc. correspondence. We will process your request as soon as possible.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

CHILDREN'S INFORMATION

New Peoples Bank, Inc. respects the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.

ELECTRONIC ONLINE BANKING - Cookies

New Peoples Bank, Inc. uses "Cookies" to track customers through our secure web site to enable the use of Internet Banking.

They are used for security reasons and are not used to collect customer data in any manner.