Online Privacy Policy

Commonwealth Business Bank, "CBB Bank", "We" understand our obligation to protect your privacy and thanks you for the confidence and trust you have placed with us to protect your information. Throughout this Online Privacy Policy, we will periodically refer to "nonpublic personal information" (NPPI), which in general is specific personal information about you that may include driver's license number, social security number, account numbers, etc.

This policy addresses sources of information that may be collected about you including digitally through the use of cookies and analytics, how information may be used, and information regarding security of your data.

Website Visitors

We do not collect personally identifying information about persons who simply visit our website, we do collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the Internet).

We also may place "cookies" on a computer to track a visitor's use of our website. A cookie is a small data file that is stored on your hard drive and helps to customize the Bank's website and oftentimes is used to enhance your user experience especially if you return to our website. We may use cookies to help estimate the number of visitors to our site, determine which areas are the most popular, and which sections of our website that are not popular. The number of visits to pages can also assist the Bank in developing new products and services. The cookie does not provide us with any personally identifying information about you, such as your name or address. Cookies can be deleted through the use of your Internet browser.

We use Google Analytics to improve our advertising efforts. You may find out more about Google Advertising Policies and/or use their free opt-out tool.

Do Not Track Information

Some Internet browsers incorporate a Do Not Track feature that signals to websites you visit that you do not want to have your online activity tracked. This type of tracking is not the same as using or collecting information in connection with a single website but instead refers to collecting personally identifiable information who use or visit a website or online service as they move across multiple websites over time. This website is not yet set up to interpret or respond to Do Not Track signals communicated by your Internet browser. Even so, as described more fully throughout this Online Privacy Policy, we limit our use and collection of your personal information.

For a description of Do Not Track protocols for Internet browsers and mobile devices, or simply to learn more about the choices available, please visit the website: All About Do Not Track http://allaboutdnt.com

Nonpublic Personal Information Collection & Use

We may obtain nonpublic personal information about you in order to provide you with products and services or information about products and services that you maintain with us. This may include:

• Information provided by you on applications or other bank forms (such as name, street address, e-mail address, phone number, social security number, date of birth, assets, income, and beneficiaries)
• Information about your transactions with us, or others (such as your account balance, payment history, parties to transactions, and credit usage)
• Information you have provided regarding other loan and/or deposit accounts with other financial lenders to determine if you meet underwriting requirements or new deposit account requirements
• Information we receive from a consumer reporting agency (such as your creditworthiness and credit history)

Your information may be shared with third party providers who may assist us in providing the products and services but there are strict requirements in place for how the information may be used. We do not disclose nonpublic personal information about our current or former customers to parties not affiliated with CBB Bank except as allowed by law.

We have procedures to maintain the accuracy of the personally identifiable information that we collect.

For a name change, social security number change, or other similar change, you have to contact the Branch office where your account or loan is held. Changes are completed when proof of identity is confirmed, and appropriate documentation is presented to evidence the change(s).

Security of Nonpublic Personal Information

We limit access to nonpublic personal information to those CBB Bank employees who have a need to know and access such information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We also actively monitor our networks for malware and viruses.

E-mail Address Usage

If you provide us with your e-mail address, we may use it to send the following types of e-mail messages to you:

• Promotional Offers for our products and services, as well as requests for enrollment
• Account or product-related information related to your account(s) in which you maintain at CBB Bank. Examples may include but are not limited to e-mails that provide account-related information, answer questions about a product or service you inquired, service outage information, or to fulfill a legal or regulatory disclosure requirement.

Children's Privacy

Our website is not intended for use by children under the age of 13 and we do not solicit data online from, or market online to, children under the age of 13. If we knowingly obtain personally identifying information in error on a child under the age of 13, we will delete that information from our systems.

Sending Us Emails

In general, the sending of emails to share nonpublic personal information is not safe as the communication is not encrypted. This can allow for the contents to be reviewed by others unless the email is encrypted. To protect your privacy, please do not use unencrypted e-mail to send us your account number, social security number, or any other personal information since it can be read by anyone who receives or intercepts the information. If you need to use e-mail to send us sensitive personal information, please contact us in advance before doing so.

Third Party Links to Our Website

Our website may include links to third party websites that offer services or information. If you click on one of these links, you will be notified that you are leaving our website and will no longer be subject to this Online Privacy Policy, but you instead will be subject to the policy in effect maintained by the third party. We are not responsible for the information collection practices of the third party with links to our website and you are recommended to review their privacy policies before providing them with any personally identifiable information.

Policy Changes

We may add to, delete from, or make changes to the terms of this Online Privacy Policy from time to time, by at a minimum, posting a revised policy on the Bank's website. Your continued use of our website or any on-line service following notification will constitute your agreement to the revised policy.

Questions

If you have any questions regarding this Online Privacy Policy or with CBB Bank's privacy practices, please e-mail us at: compliance@cbb-bank.com or write to us at Commonwealth Business Bank, Attn: Compliance Department, 3435 Wilshire Blvd, Suite 700, Los Angeles, CA 90010.