Folsom Lake Bank values your trust and respects your expectation of privacy. As such, we are committed to maintaining the confidentiality of your personal financial information. We do not sell your personal financial information to telemarketers, direct-mail vendors, or other marketing agencies.

This document outlines our privacy policy for consumers who obtain services from us, such as a deposit account, loan, or safe deposit box.

1. Our Collection and Use of Information About You
   We may collect nonpublic personal information about you in order to understand your needs, administer our business, process transactions, and provide you with products and services. We obtain nonpublic personal information about you from the following sources:
• Information we receive from you on applications or other forms (such as your name, address, e-mail address, social security number, assets and income);
• Information about your transactions with us, our affiliates, or others (such as your account balance, payment history, parties to transactions, and credit usage); and
• Information we receive from a consumer reporting agency (such as your creditworthiness and credit history).


2. Our Disclosure of Information
   We may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing agreements, such as securities broker-dealers and insurance agents, so that they can market goods and services to you. We also may disclose:
• some of this information, such as your name and address, to companies that perform marketing services on our behalf (e.g., to companies that assist us with mailings);
• information about your accounts and transactions: (a) where it is necessary or helpful to effect, process or confirm your transactions; (b) to verify the existence, history and condition of your account for credit reporting agencies; (c) to comply with legal process, such as subpoenas and court orders; (d) to law enforcement authorities if we believe a crime has been committed; and (e) if you give us your consent.

We do not disclose nonpublic personal information about our current or former customers to unaffiliated third parties except as set forth in this policy or as permitted by law.


3. State Rights
   Depending on where you live, you may have additional privacy protections under some state laws. For example, certain state laws may restrict the types of information we may disclose about you, limit the parties with whom we may share such information, or require us to provide you with additional notices or opt-out rights. We will comply with applicable state laws before sharing non-public personal information about you. We may do this by sending a separate notice of those rights to you.



4. Maintaining Accurate Information
   We have procedures in place that help us to maintain your financial information in an accurate and up-to-date manner. If you believe that your account information is inaccurate or incomplete, however, please contact us promptly so that we can investigate the error.



5. Information Security
   We restrict access to nonpublic personal information about you to those employees who have a need to know such information (e.g., to process your transactions or provide services to you). We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.



6. Changes to this Policy
   We may add to, delete from, or otherwise change the terms of this Privacy Policy from time to time. If required by law, we will send you a notice of the change.



7. Questions?
   If you have any questions regarding this policy, you can call us at (916) 985-8700 or write us at 905 Sutter Street Suite 100, Folsom, California 95630.