Privacy Policy

Effective Date: April 28, 2010

IMPORTANT INFORMATION ABOUT YOUR PRIVACY
BECAUSE YOUR TRUST IS SO IMPORTANT
Your trust is the cornerstone of our relationship. That is why we work so diligently to safeguard your privacy. The information that you provide us is kept in the strictest of confidence. We have no intentions of selling personal information about our customers to third-party businesses. We are proud to make that commitment to you, because your trust is the foundation of our business. The following privacy policy explains how we use and protect the information about our customers. We ask that you read it carefully.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Suncrest 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 account
• Individual Retirement Account

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 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”.
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

INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
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.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law.

ONLINE PRIVACY STATEMENT
Customers may have special privacy concerns regarding Suncrest Bank’s services on the Internet. Suncrest Bank is equally concerned about customer privacy in electronic commerce and is committed to its protection. Suncrest Bank's Privacy Policy applies in its entirety to anything customers might do at our Web Site.

We want you to know that when you visit our web site, your visit will remain anonymous unless you sign in to our secure Internet banking site. We do not collect personal identifying information about visitors to our site.

We do collect standard statistical information regarding our site usage. For example, our servers will collect non-identifying information about visitors to our website. From that information we can then determine the date and time of visits, and the geographic location of our visitors.

When you communicate with us via e-mail, the identifying information (i.e. your name and address) will only be used to communicate with you in order to handle your request. We do not sell or transfer any of this information to non-affiliated third parties. We do request that when you send us your e-mail, do not provide any sensitive information within your message such as social security numbers or bank account numbers.

Please note that this Privacy Policy may change from time to time. We will post any Privacy Policy changes on this page. Each version of this Privacy Policy will be identified at the top of the page by its effective date. Please refer back to this page frequently to ensure that you have our current Privacy Policy.

FOR ANY INFORMATION REGARDING PRIVACY ISSUES PLEASE CONTACT US

e-mail address: Customer Service

Visalia Branch
400 W. Center Avenue
Visalia, CA 93291
(559) 802-1000

Porterville Branch
65 W. Olive Avenue
Porterville, CA 93257
(559) 306-1300