Communication with ECB's Board of Directors

ECB's Board of Directors encourages our shareholders and customers to communicate with them regarding concerns, complaints, and other matters related to our business; the Board has established a process by which you may send written communications to the Board or to one or more individual directors. You may address and mail your communications as follows:

ECB Bancorp, Inc.

Attention: Corporate Secretary

Post Office Box 337

Engelhard, North Carolina 27824

You also may send them by email to: ecb.directors@ecbbancorp.com. You should indicate whether your communication is directed to the entire Board of Directors, to a particular committee of the Board or its Chairman, or to one or more individual directors. All communications will be reviewed by our Corporate Secretary and forwarded on to the intended recipients. Communications that involve specific complaints from a customer of the Bank relating to a deposit, loan or other financial relationship or transaction will be forwarded to the head of the department or division that is most closely associated with the subject of the complaint.