Privacy Statement

Our customers rely upon 1st Century Bank to maintain the confidentiality & privacy of all information entrusted to us by them. Protecting your trust is our highest priority in the acquisition & use of such information, through ongoing security tests, compliance reviews, & other safeguards which ensure our legal, professional & moral obligations to maintain the privacy of all confidential information in our possession. Please visit this page regularly for updates, alerts, or other current information related to 1st Century Bank privacy & customer security policies.

1st Century Bank, N.A. Privacy Commitment to Our Customers

Purpose
At 1st Century Bank, we believe in maintaining our customer's trust and confidentiality and at the same time we recognize that information is the foundation to our ability to provide exceptional service.

We have developed and implemented standards and procedures to protect this confidentiality while still providing superior service. We collect and use certain information about the visitors to our website for specific purposes. The methods and purposes of collecting information are described below. Information collected is not made available to third parties that have no relevant business relationship with 1st Century Bank. Within 1st Century Bank this information is used to provide better banking services to our clients, and we require that authorized third parties use the information solely for its intended purpose and for no other purpose. Only selected individuals within 1st Century Bank have access to this information, and all employees understand the measures taken to protect our customer's privacy. 1st Century Bank will not sell this information.

Collection and Use of Personally Identifying Information

Information about customers is gathered from a variety of sources. Some information is provided to 1st Century Bank directly by our customers themselves. We develop other data as a function of providing a product or service to the customer. Still, other information is obtained from outside sources. We will limit the use and collection of information about our customers to only that information necessary to administer business, and provide superior service. The Bank will use this information to provide you with updates and other information about 1st Century Bank that we think may be of interest to you. Such information will also be used to help identify and mitigate risks of loss to 1st Century Bank. We require any person or organization providing products or services to customers on our behalf to protect the confidentiality of 1st Century Bank customers' information. We educate our employees about their responsibility to protect customer privacy.

1st Century Bank collects nonpublic, personal information about clients from the
following sources:

Information we receive from you on applications, other forms and from the Online Banking Service
Information about your transactions with us, our affiliates or others: and Information we receive from consumer reporting agencies Sharing of Customer Information.

1st Century Bank will not reveal specific information (including account numbers, codes, current balance information and balance history) about your accounts or other personally identifiable data to third parties for their independent use unless:

• You request or authorize it.

• The information is provided to help complete a transaction that you initiate.

• The information is provided to a reputable credit bureau or similar reporting agency. Note: 1st Century Bank will exchange information about its customers with reputable information reporting agencies, financial institutions, and merchants in accordance with standard banking industry practice, in an effort to verify the existence and condition of customer accounts. The Bank does not share specific personal customer information with independent companies for any other purpose without the customer's consent.

• The disclosure otherwise is lawfully permitted or required, such as:
1. to government agencies as required by state and federal law.
2. to third party litigants when required by lawful judicial process or by court order.
3. other required disclosures as imposed by law.

Within 1st Century Bank, nonpublic confidential information will be shared only with those who need to know this information in order to conduct valid customer business. Nonpublic confidential information of any former customer shall be treated the same as that of any current Bank customer. In the event the Bank should change its policy regarding disclosure of information to third parties, you will be provided a form to sign to "opt out" of disclosures to third parties. Under these circumstances you would also have the ability to "opt out" at any future date even if you did not do so initially.

Programs for Unauthorized Access to Customer Information and Customer Notice

In the event that 1st Century Bank becomes aware of an incident of unauthorized access to sensitive customer information, we will conduct a reasonable investigation to determine the likelihood that the information has been or will be misused. Sensitive Customer Information includes a customer's name, address or telephone number, in conjunction with the customer's social security number, driver's license number, account number, credit or debit card number or a personal identification number (PIN) or password that would permit access to the customer's account. If appropriate, 1st Century Bank will take appropriate steps to contain and control the incident to prevent further unauthorized access to or use of customer information, such as by monitoring, freezing or closing affected accounts while preserving records. If 1st Century Bank determines that misuse of bank information about a customer has occurred or is reasonably possible, we will notify the affected customer as soon as possible. Notification may be delayed if an appropriate law enforcement agency determines that notification will interfere with a criminal investigation and prohibits 1st Century Bank with a written request for delay of such notification.

Collection and Use of Technical Information about Internet Connections

1st Century Bank and its web hosting company, acting as our agent, collect and store technical information about your visit to our website. We use this information for statistical purposes to make our site more accessible to visitors and the information we collect is not provided to any other third party. Specifically, we may record the following:

The name of the domain from which you access the Internet;

The Internet address of the website from which you linked directly to our site, if any;

The type of web browsing software and operating system you are using to view our site;

The date and time you access our site;

The pages you visit on our site; and

The amount of time you spend on the site.

This site also uses a feature of your browser called a "cookie" to assign a User ID. Cookies, by themselves, cannot be used to find out the identity of any user. Your 1st Century Bank User ID automatically identifies your computer - but not you - to our servers when you visit our website. Unless you specifically tell us who you are (for example, by completing an application), if you are just browsing our site, 1st Century Bank will never know who you are although we assign you a cookie.

Electronic Mail (e-mail)

Sending e-mail is a very good way to communicate with 1st Century Bank regarding your accounts or our on-line financial services. However, your e-mail is actually sent via your own software and, as a result, is not secure. Because of this, you should not include confidential information, such as account numbers and balances in any e-mail to us. If your information is very sensitive or includes personally identifying information, you have the option of sending it by United States mail or otherwise to 1st Century Bank at 1875 Century Park East, Suite 1400, Attention: Mr. Franky Chan, Compliance, BSA, Privacy and CRA Officer, Los Angeles, CA 90067. You cannot use e-mail to initiate on-line financial service transactions. All such transactions need to be initiated using the appropriate functions within the Internet Banking site. 1st Century Bank will not be liable for any errors, omissions, claims, or problems of any kind involving your e-mail.

Security

1st Century Bank maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We continually review our policy and practices, monitor our computer networks, and independently test the strength of our security to help us ensure the safety of customer information.

Contacting 1st Century Bank About Security and Privacy Issues

If you are concerned about how information about you may have been used in connection with this website, suspicious e-mails (phishing) or other unsolicited contact, or have questions about this privacy policy, you should call Mr. Franky Chan, VP, Senior Risk Officer, at (310) 270-9500.

To view this policy, click here.