TRANS PACIFIC NATIONAL BANK
PRIVACY STATEMENT

Protecting your privacy is important to Trans Pacific National Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all our employees for collection, use, retention, and security of nonpublic personal information.

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

• Information we receive from you on applications or other loan and account forms;
• Information about your transactions with us or others; and
• Information we receive from third parties such as a consumer credit reporting agency.

We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to a consumer credit reporting agency. 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 in this notice.

We take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We may contract with third party service providers to assist us in servicing your loan or account with us. All third party service providers who are granted access to confidential information, are required by us to honor our customers' rights to privacy and to comply with the federal standards for confidentiality. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We will continue to review and evaluate available technology, which will assist us with our commitment to safeguard your privacy.

If you ever have questions or concerns about the integrity of your account information, please contact us.