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Privacy Policy

Privacy Notice for Consumers
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Important Information About Your Privacy

Rev.May 2011

FACTS

WHAT DOES EVERTRUST BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and credit history
Account balances and payment history
Checking account history and overdraft history

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons EverTrust Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does EverTrust Bank Share?	Can you limit this sharing?
For our everyday business purposes — Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes — information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes — information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For our nonaffiliates to market to you	No	We don't share

Questions?	Call (626) 656-1109

Who we are:
Who is providing this notice?	EverTrust Bank

What we do
How does EverTrust Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, secured files and buildings. We restrict access to nonpublic personal information about you to those employees and service providers who need to know that information to provide products or services to you.
How does EverTrust Bank collect my personal information?	We collect your personal information, for example, when you Open an account or apply for a loan Show your government-issued ID or make a wire transfer Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates' everyday business purposes – information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market you State laws and individual companies may give you additional rights to limit sharing.

What we do

How does EverTrust Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, secured files and buildings.

We restrict access to nonpublic personal information about you to those employees and service providers who need to know that information to provide products or services to you.

How does EverTrust Bank collect my personal information?

We collect your personal information, for example, when you

Open an account or apply for a loan
Show your government-issued ID or make a wire transfer
Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

Sharing for affiliates' everyday business purposes – information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market you

State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. EverTrust Bank does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They may be financial or nonfinancial companies. EverTrust Bank does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. EverTrust Bank doesn't jointly market.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

EverTrust Bank does not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They may be financial or nonfinancial companies.

EverTrust Bank does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

EverTrust Bank doesn't jointly market.

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