What you should know.
We recognize our obligation to keep information about you secure and confidential.  It’s important for you to know that, unlike many other financial institutions, we do not sell or share Customer information with marketers outside the Bank’s Normal Course of our Business.  So, there is no need for you to tell us not to.  Plus all of our customers are given the opportunity to tell us they don’t want to receive direct marketing offers from us.  You also need to know that we carefully manage information to give you better service, more convenience, and to offer benefits based on your overall business with us.  This policy covers Customer Information, which means personally identifiable information about a consumer or a consumer’s current or former relationship with Pacific Commerce Bank.  This policy is provided to you as required by the Federal Financial Privacy Law.  (15 U.S.C  6801-6810)

PROTECTING YOUR INFORMATION.
Pacific Commerce Bank does not sell or otherwise share any Customer information with marketers outside the Bank’s Normal Course of Business.  In the event that Pacific Commerce Bank does share customer data, the customers will be notified and presented with the opportunity to “opt out”, whereupon customers’ data will not be shared.

MAKING THE SECURITY OF INFORMATION A PRIORITY.
Keeping financial information secure is one of our most important responsibilities. 
We value your trust and handle information about you with care.  WE limit access to Customer Information to those associates who need to know that information to provide products and services to you or to maintain or service those products or services.  Our associates are bound by a code of ethics requiring confidential treatment of Customer Information and are subject to disciplinary action if they fail to follow this code. 

We maintain physical, electronic and procedural safeguards to protect Customer Information.  We continually assess new technology for protecting information and upgrade our systems when appropriate.

COLLECTING INFORMATION.
We collect and use various types of information to service your accounts, save you time and money and better understand your needs.  We want to help you learn more about products and services that may be of interest to you.  Customer Information we collect is categorized as the following five types:

• Information you provide to us on applications and through other means, such as your assets, income and other debt.
• Information about your transactions and account experience with us, such as your account balance, payment history, parties to transactions or information about our communication with you, such as a request for a copy of a check.
• Information from a consumer report, such as information regarding your creditworthiness or credit history.
• Information from other outside sources regarding their employment, credit or other relationship with you or verifying representations made by you, such as your employment history, loan or credit card balances or your property insurance coverage.
• Other general information we obtain about you that is not assembled for the purpose of determining your eligibility for credit, insurance, employment or other product or service you request, such as demographic information. 

MANAGING INFORMATION FOR YOUR CONVENIENCE.
The information we share helps us bring you greater convenience and more choices.  We limit who receives customer information and what type of information is shared.

SHARING INFORMATION WITH COMPANIES THAT WORK FOR US.
We may share Customer Information with companies that work for us, to provide you products and services that you’ve requested or already have with us.  We share the information needed to provide those products and services and to provide a good customer experience.  These companies may include providers such as payment processing companies, and non-financial companies such as check printing and data processing companies.  These companies might assist us, for example, in fulfilling your service request, processing your transaction, or mailing account statements.  All of these companies act on our behalf, are contractually obligated to keep the information that we provide to them confidential, and use the information only to provide the services we’ve asked them to perform for you and us.

DISCLOSING INFORMANTION IN OTHER SITUATIONS.
We may also disclose Customer Information to credit bureaus and similar organizations, and otherwise when permitted by law.  For example, this may include a disclosure in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds of trust and mortgages in public records, an audit or examination, or the sale of your account to another financial institution.

MAKING SURE INFORMATION IS ACCURATE.
Keeping your account information accurate and up to date is very important.  We provide you with access to your account information through various means such as account statements and telephone banking.  If you ever find that your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement, bank records, or other documentation.  We will promptly update or correct any erroneous information.  If you have questions, or feel that we have not handled information about you properly, you may always contact us through our Customer Service telephone center and we will investigate your inquiry or complaint.

HONORING YOUR PREFERENCES.
You have choices when it comes to learning about new offers and services from Pacific Commerce Bank.  You can choose not to receive marketing offers by direct mail, telemarketing and/or e-mail.  We will honor your request to tell us your preferences:

• Write to:
  Pacific Commerce Bank,
  420 E. 3rd Street, Suite 100
  Los Angeles, CA 90013
• Call us at:  
  213-617-0082
• Visit your nearby banking office

In order to ensure that we accurately reflect your request, please provide your full name and street address, social security number, and telephone number for telemarketing request.  Please note that it may take six to eight weeks to make your request fully effective.  Even if you elect not to receive product information by direct mail or telemarketing, you will continue to:

• be contacted as necessary to service your account, or
• be contacted by your Banking Client Manager, or
• receive marketing information included with your regular account mailings

Additionally, to minimize the amount of telephone solicitation our customers receive, Pacific Commerce Bank does not offer non financial products and services through telemarketing. 

KEEPING UP-TO-DATE WITH YOUR PRIVACY POLICY.
Pacific Commerce Bank will provide notice of our privacy policy annually, as long as you maintain an ongoing relationship with us.  This policy may change from time to time, but you can always contact us for a copy at 213-617-0082.

NOTIFY US OF INACCCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES.
Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency.  Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address:

Pacific Commerce Bank,
420 E. 3rd Street, Suite 100
Los Angeles, CA 90013