1st Centennial Bank Employees Teach Teens about Using Credit Wisely.

REDLANDS, Calif. -- Employees of 1st Centennial Bank (OTCBB:FCEN) are joining thousands of bankers across the country by participating in the American Bankers Association Education Foundation's National Get Smart About Credit Day on Thursday, October 18, 2007. 1st Centennial Bank employees will trade their balance sheets for blackboards to teach high school students about the do's and don'ts of credit and how to take charge of their personal finances.

"The choices young adults make with their first credit card will impact their lives years later when they apply for a car loan or even a mortgage," said Berangere Robertson-Tucker, Community Reinvestment Act (CRA) Financial Literacy Trainer. "We are participating in the Get Smart About Credit program to raise awareness about the importance of using credit responsibly. We want to show young adults how they can use credit wisely, right from the start. Giving young people resources and tools to help develop strong money management skills is crucial to preparing future generations for financial success."

Bankers will visit several high schools and present curriculum and activities that include the "how-to's" of credit, such as obtaining and managing credit, understanding the importance of a good credit report, how to keep personal financial information secure, and budgeting now to help avoid credit problems later.

1st Centennial Bank offers the following tips on how to use credit wisely:

* Educate yourself on how credit works before you obtain a credit card.

* Choose the credit card that fits your needs. Interest rates, credit limits, grace periods, annual fees, and terms vary.

* A credit application is a contract. Make sure you read it - all of it - before you sign it.

* Don't spend more than you can afford. A credit card is a loan, not magic money.

* Don't pay your bills late. Late payments hurt your credit rating.

* Know the signs of credit trouble. If you continuously pay the minimum balance, pay late, or use cash advances to pay daily living expenses, you may be in the danger zone.

* Call your bank if you have questions. Your bank is there to help you and can make recommendations about managing your money.

1st Centennial Bank is committed to developing and providing educational programs and tools for children and adults that teach financial literacy and fiscal responsibility. If you would like additional information about our financial literacy program or would like for us to make a presentation to your organization, please contact Berangere Robertson-Tucker at [e-mail].