Privacy Policy

What Does California Pacific Bank ("CPB") Do With Your Personal Information?

Rev. 08/2015

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social security number and Mailing address Account balances and Transaction history Payment history and Overdraft history When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information, the reasons California Pacific Bank chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information	Does California Pacific Bank Share?	Can you limit this sharing?
For our everyday business purposes– such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes– to offer our products and services to you	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes– information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes– information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions
Call toll 415-399-8000 or go to 100 Montgomery Street, Suite 2250, San Francisco, CA 94104

Who We Are
Who is providing this notice?	California Pacific Bank (CPB)

What We Do
How does CPB protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. As well as procedural safeguards and written agreements from third parties requiring adherence to our privacy procedure.
How does CPB collect my personal information?	We collect your personal information, for example, when you Open an account or deposit money Apply for a loan or withdraw money Provide account information We also collect your personal information from others, such as credit bureaus.
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. California Pacific Bank has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. California Pacific Bank does not share with non affiliates so they can market to you.
Joint marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. California Pacific Bank does not jointly market.