At Pacific State Bank, we value each and every customer relationship. Customers such as you have entrusted us not only with their finances, but also with their personal information. To protect and maintain this relationship, we have enacted this privacy policy to maintain the confidentiality of the information you've shared with us. This is our pledge:

1. We recognize your expectations for the responsible use and protection of your information right to privacy.
   At Pacific State Bank, we recognize that you have a right to expect your personal financial information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all times, and we will provide you with information on how your information is used, protected and with the benefits such use provides to you.
2. How we use, collect, and retain information about you.
   Your relationship is important to us and we're committed to providing you with the best service possible. To do that, we gather information from a variety of sources to keep you informed about many financial services, products, and benefits available to you as a Pacific State Bank customer and to provide you the ability to manage your finances most effectively. For example, we collect information from the following sources:
   • Information we receive from you on applications and other forms.
   • Information about your transactions with us or others; and
   • Information we receive from a customer-reporting agency.
   If you end your customer relationship with us or become an inactive customer, we will treat the information we have about you as if you were a customer.
3. Preserving your trust is one of our core values.
   At Pacific State Bank, employee access to your personal information is limited to those with a business reason to know such information. Employees are educated on the importance of   maintaining the confidentiality of customer information and on this Privacy Policy. Because of the importance of these issues, all Pacific State Bank employees are responsible for maintaining the confidentiality of customer information, and employees who violate this Privacy Policy will be subject to disciplinary action.
4. Responsible use of information provides customer benefits.
   The information we collect provides significant benefits to you, our customers.  This information:
   • Enables us to better understand your financial needs;
   • Assists us as we improve products and enhances customer service;
   • Allows us to comply with laws and regulations;
   • Helps us protect against fraud.
5. We will maintain accurate information about you.
   Pacific State Bank has established procedures to ensure that your information is accurate, current and complete, in keeping with reasonable industry standards. If you believe that any information collected or furnished by Pacific State Bank is inaccurate, please call us at (800) 841-0110.  We will investigate the problem and take appropriate action in a timely manner.
6. We will maintain a security program to protect your information.
   We will maintain a security program which includes physical, electronic, and procedural safeguards in compliance with federal regulations to prevent unauthorized access to your personal information.
7. Restrictions on disclosing your information outsides.
   We pledge not to reveal specific information about your accounts, or other information that will personally identify you, to those outside Pacific State Bank for their independent use, unless:
   • The information is necessary to effect, administer or enforce a transaction you requested;
   • You request or authorize that the information be revealed;
   • The disclosure is required or permitted by law; or
   • We have informed you that this information may be disclosed and have given you
     an opportunity to decline. We will not provide your account number to anyone
     outside Pacific State Bank for marketing purposes.
8. We will maintain your privacy in business relationships with third parties.
   If we do provide customer information to a third party, we will insist - through a written agreement - that the third party adhere to privacy principles similar to those which Pacific State Bank adheres for keeping of confidential information.
9. We do not gather information on individual users on our website. We do collect and store information about the name of the domain from which you access the internet (for example, aol.com, if you are connecting from an America Online account), the date and time you access our site, and the internet address of the website from which you linked to us. This information simply enables us to tell which areas of the site are of most interest to our users, which avenues of site promotion are most effective, and when peak usage times are.
10. If you choose to contact us via-email, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via-e-mail, we will use that information only to respond to the inquiry and provide accurate information to any questions. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law. We want to be very clear: we will not obtain personally identifying information about you when you visit our site, unless you choose to provide such information to us.
11. Disclosing our privacy commitment to you.

At Pacific State Bank, we value our customer relationships. We want you to understand how we see the information you provide and our commitment to ensuring your personal privacy.  If you have any questions about how Pacific State Bank protects your confidential information, please contact us at (800) 841-0110.

Thank You

Updated 6-20-2006