OneCalifornia Bank Privacy Statement
Effective Date January 01, 2010

Safeguarding your privacy is very important to us. At OneCalifornia Bank, we are committed to protecting the security and privacy of our customers' personal information, as well as personal information of all consumers who visit our bank and website.

Information We Collect

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

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" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history.

What Information We Disclose

We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. We are permitted under law to disclose nonpublic personal information about you to non-affiliated third parties in certain circumstances. Presently, OneCalifornia Bank shares Personal Information about our customers in connection with the administration, processing, or servicing of accounts.

Restriction on Disclosing Information to Parties Outside Our Affiliated Companies

We will not disclose our customer's private personal information we have collected to other companies unless:
The customer requests and authorizes that we provide this information to another party.
The information is provided to a credit bureau or similar credit reporting agency.
The information is provided to help the customer complete a transaction they initiated. This includes servicing loans, deposit accounts and other relationships.
We are required by law to furnish the information.
We have a joint marketing relationship with another company in order to offer the customer a financial product or service, and we require that company to sign an agreement to protect our customer's private information. We will limit the information we provide these companies to include only that information we have gathered through our own experience with our customers.

Disclosing Information to Other Outside Companies

Periodically, we will need to share our customer's private information with outside companies; for example, companies that we hire to maintain our computer systems and companies that perform check card data processing. We will communicate our privacy commitment to these companies and ask that these companies agree to safeguard customer information, use the information only for its intended purpose, and not distribute it to other companies unless it is necessary to complete the customer's transaction.

Fair Credit Reporting Act Notice of Sharing Information With Affiliates

We are permitted under law to share information with our affiliates about our experiences or transactions with you or your account, such as your account balance and your payment history with us, and information that identifies you, such as your name, address and Social Security number.  We may also share other information about you or your account (such as information about your credit status we receive from you in applications and information from credit reporting agencies) with our affiliates; this information is called “other personal information.”  You can tell us not to share “other personal information” with our affiliates by filling out the form attached and sending it to us at:

OneCalifornia Bank
1438 Webster Street, Suite 100
Oakland, CA  94612

Sharing of Former Customer Information

We share and protect information about former customers the same way we share and protect information about current customers as described above.

Maintenance of Accurate Information

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and promptly correct any inaccuracies.

Confidentiality and Security

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to safeguard your nonpublic information. Appropriate employees are authorized to access Customer Information for business purposes only. Our employees are bound by a code of ethics that requires confidential treatment of Customer Information and are subject to disciplinary action if they fail to follow the code.

Children's Online Privacy Protection Act

We feel strongly about protecting the privacy of children. Our website is not directed to children under the age of 13. We do not knowingly solicit, collect or use personal information from children under the age of 13 and we do not knowingly market to children under the age of 13.

Notification of Changes

This Online Privacy Policy is subject to change at any time. We will communicate any material changes to you as required by law. We will post the revised online privacy policy on our website with a link at www.onecalbank.com on our home page. The effective date stated at the top of this policy will be revised in conjunction with any material changes performed.

If you do not want us to share “other personal information” with our affiliate, complete this form and send it to us at OneCalifornia Bank, 1438 Webster Street, Suite 100, Oakland, CA 94612. This request will remain in effect unless revoked by you in writing. (For joint accounts, a request by one owner will apply to all owners. If account owners live at different addresses, please ensure the addresses of all account holders are listed on this form.)