United Pacific Bank is committed to the highest level of security and privacy regarding the collection and use of our banking customers’ personal information, as well as that of all persons who use our services. A description of United Pacific Bank’s Banking Privacy Policy is provided below.

1. Collection of Personal Information

United Pacific Bank collects and uses customer information for specific business purposes - to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to improve the products and services that we offer to you as customers.

The types of information which may be collected by United Pacific Bank for these purposes include:

• Information we receive from you on applications or other forms, such as, your
  name, address, social security number, and information concerning your assets
  and income;
  
  
• Information about your transactions with us, our affiliates, or others, such as,
  your account balance and payment history;
  
  
• Information we receive from a consumer reporting agency, such as, your credit
  history and credit standing.
  

• Maintain physical, electronic, and procedural safeguards that comply with federal regulations to ensure the confidentiality and security of customer nonpublic personal information;



• Continually assess new technology for safeguarding information;



• Allow only employees who need to know personal customer information to provide products or services to customers the access to that information, and our employees are trained to understand and comply with the Bank’s information principles;



• Whenever we conduct business with a third party, we insist that the third party adhere to similar privacy principles for maintaining the confidentiality of personal information.

3. Maintenance of Accurate Information

Keeping your account information accurate and up to date is also very important. We have established procedures to ensure our customer’s financial information is accurate, current and complete in accordance with reasonable business standards. 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. We will correct any erroneous information as quickly as possible.

4. Restrictions on Disclosure of Your Information

From time to time, we may disclose the nonpublic information which we collect about our customers, and our former customers, as described above in this Notice, to third parties, as permitted by law.

Some of the instances when information will be disclosed to third parties as permitted by law include:

• Processing and servicing of transactions;


• The delivery of products and services;
  
• At the request or agreement of the customer;


• In connection with legal process or other court order;


• To consumer reporting agencies;


• To third parties, in certain other enumerated circumstances permitted by law.

We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to other nonaffiliated third parties as permitted by law.

5. Further Information About Our Privacy Policy

We want you to understand our commitment to your privacy and maintaining the confidentiality of your customer information. If you have any questions about these privacy principles, you may contact us at (626) 965-6230 ext. 133, or write us at the following address: