Your Privacy Is Important To Us

You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

We work diligently to safeguard the information you give to us. In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason we ask that you read the following information carefully.

Notice Of Your Financial Privacy Rights

We, our, and us, when used in this notice, means Focus Business Bank. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
• Deposit account
• Loan account
• Safe deposit box

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

The Information We Collect

We collect information about you from the following sources:
• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information

The Confidentiality, Security, And Integrity Of Your Information

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

Your Information And Other Parties

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

Information About Former Customers

We do not disclose information about former customers, except as permitted by law.

Your Information And Affiliates - Future Changes

In the future, we may disclose information about you to affiliates, even though we are not doing so now. Here are the kinds of information we may disclose to our affiliates:

• Information about your transactions and experience with us, such as:
• Name
• Address
• Account balances
• Types of accounts
• Parties to the transaction
• Payment history
• Deposit history
• Transaction history

Federal law allows us to disclose the information listed above with our affiliates. However we will allow you to opt out of the disclosure of this information to our affiliates.
Types Of Affiliates
We may disclose information about you in the future to the following types of affiliates:

• Financial Service providers, such as:
• Banks

Your Right To Block The Disclosure Of Your Information

Affiliates. We may disclose your information with our affiliates in the future. If you do not want us to disclose your information with our affiliates, you can block the disclosure of this information. This is known as your right to "opt out." Your decision to block the discIosure of your information will apply to information collected from all products and services you receive from us.

If you have obtained one or more products or services jointly, an opt out instruction by one party is effective for all information we have collected about all joint parties. If one of you chooses to opt out, no information about any of the joint parties will be shared.