Terms and Conditions

Use of Information and Materials.
Any person is hereby authorized to view the information available from this Web site for informational purposes only. No part of this information may be redistributed, copied, or reproduced without the prior written consent of Century First Financial Corporationor its subsidiaries or affiliates. The product and fee information presented in this Web site represent Century First’s offerings as of the most recent update. Rules, Regulations, Fee Schedules, and Service Agreements currently in effect take precedence over any information herein. The information contained in these pages is subject to change without notice.
The company information contained in this site is provided for informational purposes only and is not a solicitation or offer to sell securities, nor should it be used by others in connection with any sale, offer for sale or solicitation of an offer to buy securities.
Neither Century First Bank, nor any of its subsidiaries or affiliates is acting as an advisor or fiduciary by publishing any information contained in this site.

Password and Security Procedures
Upon becoming a Service Client, you will receive a temporary password or self-select a password, which will allow you access to your Account information. Use of the password will indicate to the Bank your acceptance of the terms and conditions governing your Account(s) and this Agreement and if applicable, the Bill Pay Service terms and conditions. Any Service transactions, including, but not limited to accessing Account information, making transfers, giving transfer-related instructions or utilizing the electronic bill payment service, initiated by the Client or person(s) on behalf of a commercial Client by entering the correct password is deemed as acting with full authority of the Board of Directors, members or general partners, as applicable, of the commercial Client. Each time you access Account information, make transfers or give transfer-related instructions, you will be required to enter your password.
In addition to obtaining a password, when you become a Service Client, you will select a number of security challenge questions to which you will supply appropriate answers. At all times, the Bank reserves the right to present one or more of these challenge questions whenever the Service is accessed using your user name and password. If the answers to the challenge questions do not match previously provided answers, access to the Service will be denied.
If your password is lost or stolen or is known by another individual, you must notify the Bank immediately. Failure to notify the Bank promptly could result in loss of funds. You are responsible for maintaining the confidentiality of your password and any breach of confidentiality shall promptly be reported to the Bank. You may contact the Bank at 800.382.3232 to report such security breach. The Bank reserves the right to prevent your access to Service should we have reason to believe the confidentiality of your password has been compromised.
You understand that the Bank has implemented security procedures for the purpose of verifying the authenticity of the payment instructions transmitted to the Bank by you, and not for the purpose of detecting errors in such instructions. Such security procedures include (i) a unique file identification number and transmission password, (ii) challenge questions and required responses and (iii) encryption. You agree that these procedures constitute reasonable methods of providing security against unauthorized instructions. You agree to be bound by any instruction issued by you and received and verified by the Bank in accordance with such security procedures, and you shall indemnify and hold the Bank harmless from and against any loss suffered or liability incurred by, or arising from, the execution of instructions in good faith and in compliance with such security procedures.

No Warranties
The information and materials contained in the Web site are provided "as is" without warranty of any kind, either express or implied, including without limitation, any warranty of accuracy, adequacy or completeness of the information and materials, title, non-infringement of third party rights, merchantability, fitness for a particular purpose and freedom from computer virus.

Third Party Links
Century First is happy to make available to you links to other sites on the World Wide Web. Century First believes the links contained on its pages are to reputable companies. Nevertheless, Century First makes no representations or warranties regarding non-Century First sites or the companies maintaining them. Century First does not control or monitor such Web sites and Century First does not endorse the content or the use of such Web sites. If you choose to access non-Century First Web sites through links on our pages, you accept responsibility for all related risks.

Limitation of Liability
In no event will Century First Financial Corporation or any of its subsidiaries or affiliates be liable for any damages, losses or expenses, including without limitation, direct or indirect, special, incidental or consequential damages arising in connection with this Web site, use thereof or reliance on any information contained herein, even if Century First Financial Corporation or any of its subsidiaries or affiliates are notified of the possibility of such damages.

Choice of Law; Unenforceability.
Your access to and use of this Web site, and these terms, are governed by and will be construed in accordance with the laws of the State of North Carolina, without regard to principles of conflicts of laws. In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.

Trademarks
Century First and the Century First logo are service marks of Century First Financial Corporation. Other featured words or symbols used on this website to identify other parties' goods and services may be trademarks or service marks of those other parties.

Century First Bank, Member FDIC. © 2025 Century First Financial Corporation. Century First, the Century First logo and Century First Purple are service marks of Century First Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

• Are Not FDIC or any other Government Agency Insured
• Are Not Bank Guaranteed
• May Lose Value

Services provided by the following affiliates of Century First Financial Corporation (Century First): Banking products and services, including loans and deposit accounts, are provided by Century First Bank, Member FDIC. Trust and investment management services are provided by Century First Bank, and Century First Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Century First Investment Services, Inc., and P.J. Robb Variable Corp., which are SEC registered broker-dealers, members FINRA SIPC and a licensed insurance agency where applicable. Investment advisory services are offered by Century First Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, Inc. Life insurance products are offered through Century First Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Century First Insurance Holdings, Inc.

Mortgage products and services are offered through Century First Bank. All Century First mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Century First and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Century First Advisors" may be officers and/or associated persons of the following affiliates of Century First, Century First Investment Services, Inc., and/or Century First Advisory Services, Inc. Century First Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Century First Bank, Century First Investment Services, Inc., and Century First Advisory Services, Inc.

Century First Securities is a trademark of Century First Financial Corporation. Century First Securities is a trade name for the corporate and investment banking services of Century First Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Century First Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Century First Bank. Deposit products are offered by Century First Bank.

Limited English Proficiency Support: Applications, agreements, disclosures, and other servicing communications provided by Century First Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Century First offers the following resources for consumers that have Limited English Proficiency:

Multilingual teammates available at our Multicultural Banking Centers Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve. For assistance in other languages please chat to a representative directly via the live chat.