Terms and Conditions

First City Bank, In Organization (“First City Bank,” “we,” “us,” “our”) publishes this website to provide general information about its proposed formation and a private securities offering. By accessing or using this website, you agree to the following terms:

1. STATUS OF THE BANK

   First City Bank is currently in organization and is targeted to open in early 2026, pending regulatory approval. Timelines are preliminary and may change. We are not yet accepting deposits and are not offering banking products or services to the public.

   
   

2. INFORMATIONAL PURPOSES ONLY

   All content on this website, including any documents made available through it, is for general informational purposes only.

   Nothing on this website is:

   • An offer to sell securities.

   • A solicitation of an offer to buy securities.

   • Financial, legal, tax, or investment advice.

Any actual offer or sale of securities will be made only through a duly approved Offering Circular and related subscription documents provided to qualified investors. If there is any conflict between this website and the Offering Circular, the Offering Circular controls.

3. LIMITED, PRIVATE OFFERING

   The contemplated offering is a private Regulation D offering. Participation is limited to investors who meet applicable eligibility standards, including accredited investor requirements and any suitability criteria.

   This offering is not available to the general public, and this website is intended for informational purposes only.

   
   

You are solely responsible for determining whether you qualify to participate in any offering and for complying with all laws that apply to you.

4. NO GUARANTEE; INVESTMENT IS NOT A DEPOSIT

   Any discussion of returns, valuations, or comparable bank performance is illustrative only and not a prediction or guarantee of future results.

   An investment in First City Bank:

   • Is not a deposit or other bank obligation.

   • Is not insured by the FDIC or any other governmental agency.

   • Is not guaranteed by First City Bank or any other person.

   • Involves risk, including possible loss of principal.

   
   

5. FORWARD-LOOKING STATEMENTS

   This website may contain statements about expected timelines, growth plans, market opportunity, and other future events. These are forward-looking statements based on current assumptions and subject to risks and uncertainties. Actual results may differ materially.

   We do not undertake any obligation to update or revise forward-looking statements after the date they are made.

   
   

6. USER ELIGIBILITY AND RESPONSIBILITIES

   By using this website, you represent that you are at least 18 years old.

   You agree that you:

   • Will not rely on this website as your sole basis for any investment decision.

   • Will consult your own legal, tax, and financial advisers.

   • Will comply with all applicable laws in your jurisdiction when accessing this website or requesting information.

   
   

7. PERSONAL INFORMATION WE COLLECT

   If you complete a form on this website, we may collect:

   • Name

   • Email address

   • Phone number

We use this information to:

• Send official documents and information about the bank’s formation and offering.

• Provide investor updates and communications as the bank progresses toward launch.

You can opt out of future email communications at any time by following the unsubscribe instructions in our emails or by contacting us using the information provided on this site.

We do not sell or rent your personal information. We may share it only with service providers who assist us in operating this website or conducting the offering, and as required by law or regulation. For more detail on data handling, please review our Privacy Policy.

8. INTELLECTUAL PROPERTY

   All content on this site, including text, images, graphics, logos, and layout, is owned by or licensed to First City Bank and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any content without our prior written consent.

   
   

9. NO WARRANTY

   This website and its content are provided “as is” and “as available.” We do not warrant that the site will be accurate, complete, current, uninterrupted, or error-free. Use of the site is at your own risk.

   
   

10. LIMITATION OF LIABILITY

    To the maximum extent permitted by law, First City Bank and its organizers, directors, officers, employees, and affiliates are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to:

    • Your access to or use of this website.

    • Your reliance on any information provided on this website.

    • Any errors or omissions in the content.

    • Any delay, interruption, or unavailability of the website.

This limitation applies even if we have been advised of the possibility of such damages.

11. THIRD-PARTY LINKS

    This website may link to third-party websites or documents. These links are provided for convenience only. We do not control and are not responsible for the content or practices of any third-party sites, and inclusion of a link does not imply endorsement.

    
    

12. CHANGES TO THESE TERMS

    We may update these Terms and Conditions from time to time. The “last updated” date may be changed when revisions are posted. Your continued use of the website after any changes are posted constitutes your acceptance of the revised terms.

    
    

13. GOVERNING LAW AND JURISDICTION

    These Terms and Conditions and any dispute arising out of or related to this website are governed by the laws of the State of Georgia, without regard to its conflict-of-law principles.

    
    

14. CONTACT US

    Questions about this website or these Terms and Conditions may be directed to us at info@FirstCityBankGA.com.

You may also contact us using the information provided on the website’s Contact page.