Privacy Policy

PRIVACY DISCLOSURE

Community Banks of Northern California is committed to protecting your privacy. As a financial institution we know that your trust in us is of major importance. This policy discloses our information use policies and practices in detail.

The descriptions within the policy apply to Community Banks of Northern California customers that obtain financial products or services primarily for personal, family and household purposes. If Community Banks of Northern California changes its information practices, we will provide you notice of any material changes.

INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:
- *Appications and other forms that you provide to us
'Information about your transactions with us and our affiliates
*Information we receive from consumer credit reporting agencies
'Public sources such as federal, state or local records

"Non-public personal information" means information about you that we collect in connection with providing a financial product or service to you, which is not available to the public. Non-public personal information does not include information that is available from public sources.

NO DISCLOSURES OUTSIDE OF EXCEPTIONS
We do not disclose any nonpublic personal information about our customers or former customers to anyone,
except as permitted by law.
We are permitted under the law to share information about our experiences or transactions with you or your
account with our affiliates. In addition, we may disclose the following information to companies that provide products and services necessary to effect, administer or enforce a transaction that a customer requests or authorizes:
* lnformation we receive from you on an application such as; your name, address, social security number, assets and income.
* Information about your transactions with us, our affiliates or others; such as your account balance, payment history.
* lnformation we receive from a consumer credit reporting agency, such as creditworthiness.

CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal 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 that comply with federal standards to guard your nonpublic personal information. These standards exist for both our physical facilities and our online services. We educate our employees about the importance of confidentiality and customer policy.
 
If you have questions regarding this policy please contact Janice Mattos at (209) 820-6417 or E-mail at
jmattos@cobnks.com.