To let customers know the high priority that America California Bank places on protecting privacy, we want you to be aware of the principles we follow when collecting, maintaining, using and safeguarding information about your relationship with us.

Privacy Principles

America California Bank has adopted the following principles:

Recognition of a Customer's Expectation of Privacy

America California Bank recognizes and respects the privacy expectations of our customers. America California Bank has established policies and procedures to prevent misuse of your confidential information, which, in this disclosure, we call “nonpublic personal” information, about our current and former customers.

Use, Collection and Retention of Customer Information

America California Bank collects, retains and uses nonpublic personal information about individual customers only as allowed by law and where we reasonably believe it is useful in administering our business and in providing products, services and other opportunities to our customers.

Categories of Information We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms.
• Information about your transactions with our affiliates, others, or us.
• Information we receive from a consumer reporting agency

Confidentiality and Security

America California Bank restricts access to our customers’ nonpublic personal information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard all confidential information.

Privacy Disclosure Statement

America California Bank recognizes, respect, and protect the personal privacy of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers’ information in a confidential manner. In keeping with industry standards we are committed to providing a high level of security and privacy regarding the collection and use of our customers’ personal information, as well as personal information of all consumers who visit our bank and website.

By “personal information” we mean nonpublic personal information that is individually identifiable to a consumer if collected by us in connection with a personal, family, or household financial service or product. The term includes our customers’ identities, account information, balances and the like, but excludes most information that is publicly available. It also excludes any information we collect in connection with business or commercial accounts, products, or services, even if the information is about an individual. America California Bank does not disclose any nonpublic personal information about our customers to anyone, except as permitted by law.

Doctrine of Information Disclosure

America California Bank will not disclose any information regarding accounts or transactions to outside parties unless there is an appropriate legal or business justification. America California Bank will only disclose information to third parties to:

• Complete transfers or transactions.
• Verify the existence and condition of your accounts to appropriate third parties, such as a credit bureau or merchant.
• Comply with a government agency, court order, or any other legal process.

Special Information Applicable to Electronic (Internet) Banking

America California Bank's " Principles of Privacy" will apply to customers' confidential and private information with regard to both traditional and non-traditional (i.e., Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, America California Bank feels it is important for customers to be aware of the unique issues surrounding Internet Banking.

To better serve legitimate Internet Banking customers:

America California Bank collects generic information about visitors to our website. Generic information we may track may include, but are not limited to, the date and time of access, the activities in which the visitor engages while on our website, the Internet service provider's address, the web browser used and other information.

America California Bank requires customers to utilize specific passwords for access to confidential and private information. America California Bank reminds customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted.

America California Bank utilizes encryption, firewall, router, third party verification procedures and other sophisticated security software and hardware to help prevent unauthorized eavesdropping of and access to customers' confidential and private information. However, no one can guarantee that all of these measures will prevent unauthorized access to our data processing system and the data therein.

America California Bank utilizes up-to-date computer virus protection software to help prevent the spread of computer viruses. However, we cannot guarantee that we will be able to prevent computer viruses from being spread to those who access our website.

America California Bank does not use browser “cookies” to record information about public web site visitors. Cookies will not be written to your computer memory or browser cache.

America California Bank reminds all of our customers that links in the institution's websites can be found to websites not under our control. These websites will not necessarily comply with America California Bank's "Privacy Principles" and security standards.

America California Bank reminds all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. America California Bank can only establish policies and procedures to help restrict use of and access to confidential and private information. If any America California Bank customers believe that confidential and private information has been compromised, please contact America California Bank immediately so that the potential breach can be investigated.

For Additional Information

Questions or comments about the America California Bank privacy policy may be directed to our Compliance Officer.

Security Statement

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, Secure Sockets Layer (SSL) protocols for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity

To begin a session with the bank's server, the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lockout mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the system authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer

Once the server session is established, the user and the server are in a secured environment. Data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocols. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your internet banking transactions are secure.

Internet Browser Selection

We strongly suggest the use of browsers that use 128-bit encryption and which also prevent sensitive information from being written onto your hard drive, this prevents unauthorized users from accessing your information.

More information:

If you have any questions or would like additional information, please feel free to email us at Customer Service.