PACIFIC COAST NATIONAL BANK
PRIVACY POLICY AND DISCLOSURE

The directors, management, and staff of Pacific Coast National Bank are concerned about and respect the privacy of customers’/consumers’ personal financial information. We understand that our customers furnish sensitive information to the bank in the course of daily business, and the bank is committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs.

The bank will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers. The following privacy policy and disclosure effective May 16, 2005, outlines our bank’s practice regarding personally identifiable financial information for consumers and those consumers who become our customers.

TYPES OF INFORMATION THE BANK COLLECTS

At Pacific Coast National Bank, we collect nonpublic, personal information about you from many sources, including the following:

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

Nonpublic, personal information does not include that which is available from government records, widely distributed media, or government-mandated disclosures.

TYPES OF INFORMATION THE BANK DISCLOSES

The bank does not now, nor does it intend in the future, to disclose any personal financial information to any nonaffiliated or affiliated third party. By law the bank may disclose certain personally identifiable information without allowing consumers the right to opt out of the bank's sharing agreements in the following circumstances:

• To companies who perform transaction processing for the bank in the following circumstances:
  • If the transaction, service, or product is requested or authorized by the consumer
  • To maintain or service a consumer's account as part of a private label credit card or other loan extension program
  • In connection with a securitization, secondary market sale (including servicing rights), or similar transaction related to a consumer
• To disclose information necessary to enforce the bank's legal or contractual rights or the rights of any other person who is engaged in the financial transaction
• To disclose information required in the ordinary course of banking business, such as the settlement of claims or benefits, the confirmation of information to the consumer or the consumer's agent, and the billing, processing, or clearing of items in the normal course of business.
• To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating the bank, persons who are assessing the bank's compliance with industry standards, and the bank's attorneys, accountants, and auditors
• To the extent permissible under the Right to Financial Privacy Act
• To a consumer reporting agency under the Fair Credit Reporting Act
• To comply with federal, state, or local laws, rules, and other applicable legal requirements

SAFEGUARDING CUSTOMER INFORMATION

At Pacific Coast National Bank we protect consumer privacy by ensuring that only employees who have a business reason for knowing information have access to it. The bank has appointed a Privacy Compliance Officer who is responsible for maintaining internal procedures to ensure that our customers' information is protected.

MAINTAINING ACCURATE INFORMATION ABOUT YOU

Pacific Coast National Bank has established procedures to ensure your information is accurate, current and complete, in keeping with reasonable commercial standards.

If you believe that any information collected or furnished by Pacific Coast National Bank is inaccurate, please call us at (949) 361-4300. We will investigate the problem and take appropriate action in a timely manner.

LINKS TO OTHER WEB SITES

Our web site may feature links to third party web sites that offer goods, services, or information. Some of these sites may appear as windows-within-windows at this site. When you click on one of these links, you will be leaving our site and will no longer be subject to this policy. We are not responsible for the information collection practices of the other web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

SERVICES AND ADVERTISEMENTS BY THIRD PARTIES

Third parties may advertise services from time to time at our web site. If you provide them with information, their use of that information will be subject to their privacy policy, if any, and will not be subject to this policy. If you accept third party goods or services advertised at our web site, the third party may be able to identify that you have a relationship with us (e.g., if the offer was only made through our site).

MINORS

We feel strongly about protecting the privacy of children and teenagers. As such, we do not knowingly collect personally identifiable information from persons under the age of 18 through our web site.

CHANGES TO THIS POLICY

If you have any questions regarding our policy, you can contact us at:

905 Calle Amanecer
Suite 100
San Clemente, CA. 92673

You may also telephone us at (949) 361-4300. We reserve the right to amend (add to, delete or change) the terms of our policy from time to time, but we will provide you with prior notice and an opportunity to opt out if we change our policy regarding information sharing. This information will be provided by either a separate mailing, e mail notification, website messages or any other means necessary to deliver the information to you.

DISCLAIMER

The information and materials contained in this web site are provided "as is" without warranty of any kind, either expressed or implied. Product offers, rates, terms and other information provided herein are subject to change without notice. Pacific Coast National Bank cannot guarantee the completeness or accuracy of the information provided herein. Please request current information by calling us at (949) 361-4300.

In no event will Pacific Coast National Bank be liable for any damages, losses or expenses, including without limitation, direct or indirect, special, incidental or consequential damages arising in connection with this web site, user thereof or reliance on any information contained herein, even if Pacific Coast Bank is notified of the possibility of such damages.