This policy governs the operations of CALIFORNIA REPUBLIC BANK referred to hereafter as "The Bank". At The Bank, the basis for each customer or consumer relationship is trust. You are considering, or currently are, doing business with The Bank, and we are obligated to honor that relationship with great care, beginning with the information you share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial objectives. We believe we can do both through the privacy policy outlined below.

Maintenance of Accurate Information

The Bank has established procedures to ensure that your financial information is accurate, current and complete. We also pledge to respond to requests to correct inaccurate information in a timely manner.

Limitations on Employee Access to Information

Employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of your information. Employees are responsible for maintaining the confidentiality of customer information and those who violate this privacy policy will be subject to disciplinary measures.

Protection of Information via Established Security Procedures

The Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards. Access to your account information via the Internet is protected by a user ID, password, and 128-bit encryption technology. Customers must apply for this service and become registered with The Bank for authentication purposes.

The Bank may link its web site to other sites. In no event, however, can The Bank assume responsibility for the content of those sites nor their policies for the collection of customer information.

Collection and Uses of Information

The Bank collects, retains, and uses your information only where it will help administer our business or provide you with products, services and other opportunities. The collection and retention of information is performed only for specific business purposes, and The Bank will define that purpose when asked. Information is used to protect and administer customer records, accounts and funds; to comply with certain laws and regulations; to assist in the development and/or improvement of products and services; and to understand the financial needs of our customers in order to provide useful products and quality services. We collect the following kinds of information:

• Information we receive on applications or other forms, such as name, address, Social Security number, assets and income;
• Information about transactions with us, such as account balance, payment history, parties to transactions, and credit card usage;
• Information we receive from a consumer reporting agency, such as information relating to creditworthiness and credit history.

Restrictions on the Disclosure of Account Information

The Bank does not disclose any nonpublic personal information about its present or former customers to anyone except as permitted by law. We may, for example, disclose nonpublic personal information about customers to other for purposes of servicing their accounts with us, to government entities in response to subpoenas, processing transactions that they request or authorize, or conducting credit or other verification checks. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described by this notice.

Availability of Our Privacy Policy

The Bank values its business relationships, and wants all present and prospective customers to understand how it uses information gathered and its corresponding commitment to privacy. Bank personnel are available to answer questions about our use of customer information.