Friendly Hills Bank - Do business locally.

ONLINE PRIVACY STATEMENT AND POLICY

Privacy Policy

Protecting customer information received through all of our service channels - at banking offices, via ATMs, by telephone, and through our Web site - is of the highest importance to us.

At Friendly Hills Bank we understand that our customers ("you" or "your") have an expectation that the personal information you provide to us is to be kept confidential. Accordingly, we have a long-standing policy of protecting confidential information about you and your transactions. Our privacy policy, described below, applies not only to written files, but also to personal information you provide us through transactions you conduct on-line, by telephone, or when you send us E-mail.

Collection and Retention of Non-Public Personal Information - We collect and retain information about you to identify and communicate with you, to provide you with products and services you have requested, to help us respond to your questions, and to inform you about other financial services that may be of interest to you.

We collect the following types of non-public personal information about you from the following sources:

Information we receive about your identity, such as your name, address, social security number, or driver's license number;
Information about your transactions with us, or others, such as your account balance, loan payment history, or ATM, debit or credit card usage;
Information that we receive from you on applications or other forms, such as information about your income and assets;
Information we receive from consumer reporting agencies, such as your credit history and creditworthiness; and
Information we receive from marketing analysis companies for marketing purposes, such as economic and demographic data.

Disclosure of Non-Public Personal Information to Non-Affiliated Third Parties - We do not disclose non-public personal information about you or our former customers to non-affiliated third parties, except as permitted or required by the California Financial Information Privacy Act Division Code 1.2.

Disclosure of Non-Public Personal Information in Other Circumstances - We may also disclose non-public personal information about you as necessary to effect, administer, or enforce transactions that you have requested or authorized, or in connection with servicing or processing a financial product or service you have requested or authorized, or to maintain or service your accounts with us, or as otherwise described below. We normally disclose information:

When it is necessary or helpful in completing a transaction;
To verify the existence and condition of your account for a third party, such as a merchant, another financial institution or a credit reporting agency;
To an account verification service, in addition to a credit reporting agency, if we close your account due to unsatisfactory handling, fraud, attempted fraud or criminal activity;
To comply with a law, regulation, legal process or court order which applies to us or to an affiliate;
In response to an inquiry about sufficient funds to cover a check you have written;
When you authorize us to;
To other companies, financial institutions and networks which may be involved in processing your transactions;
To local, state or federal authorities, if we believe a crime may have been committed;
To paying agencies after the death or incapacity of a recipient or beneficiary of recurring direct deposit payments;
To our agents and affiliates and to third parties who perform services or functions on our behalf to facilitate the delivery of information related to your accounts or to other financial services that may be of interest to you;
In response to requests by our regulatory agencies or requests by agents of the Bank or its affiliated companies, such as independent auditors, consultants or attorneys.

Our Employees’ Access to and Use of Customer Information - Each of our employees has responsibility for maintaining the confidentiality of customer information. We require all of our employees to agree in writing to protect the confidentiality of customer information and to use it only for our business purposes. Our policy is to prohibit employees from accessing your personal information unless there is a business reason to do so. Internal access and sharing of information about you within our various service units occurs to evaluate structure and facilitate the services you have requested or to inform you of other financial services that may be of interest to you. We train our employees to recognize the importance of customer confidentiality. Employees who violate these standards are subject to disciplinary measures.

Our Security Procedures - We also take other steps to safeguard customer information by maintaining physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

Maintaining the Accuracy of Customer Information - We have procedures to see that customer information is maintained in a commercially reasonable manner so that it is accurate, current, and complete. We also have procedures to see that requests to correct inaccurate or incomplete information are acted upon in a timely manner. We maintain security standards and procedures to help prevent unauthorized access to confidential customer information, and we regularly review, test and update our technology and procedures to improve the security and accuracy of such information. We investigate your inquiries about information received from us (or from a credit bureau reflecting information we have provided) that you believe to be inaccurate and we take steps to correct information we determine to be incorrect.

Maintaining Confidentiality in Our Business Relationships with Other Companies - From time to time we contract with other businesses to perform specific services in support of our products. When it is necessary to provide confidential customer information to a third party, we require each business that we select to agree to adhere to the same privacy standards, laws and regulations that apply to us. That is, we require such third parties to agree to safeguard non-public personal information regarding our customers in accordance with our own privacy policies.

On-line Banking Security - At Friendly Hills Bank we take security very seriously. The latest methods in Internet system security, as upgraded from time to time, are used to increase and monitor the integrity and security of our system.

Internet security does not rely on technology alone. Without everyone's participation, all the security systems and technology in the world are worthless. You must treat your User ID and password with the same care as a debit card and PIN. In addition, you must make sure that no one is physically watching when you enter your password. If you are logged in to the service, be sure to log off of the service and exit the browser when you leave the computer unattended. You should also take standard precautions to keep your system clean and free from viruses that could be used to capture password keystrokes and financial information.

If you should have additional questions regarding security of our internet site, Please visit our site at www.friendlyhillsbank.com or contact us at 562-947-1920.

Children’s Privacy - Our web site is directed to a general audience. We do not knowingly solicit or collect personal information from children on our site.

Availability of Disclosure of Privacy Policy

This disclosure is available in our banking offices, and our on-line disclosure of our privacy policy is available on our Web site at: www.friendlyhillsbank.com. This disclosure of our privacy policy applies to consumers. We may make changes to this policy at any time. All notices we furnish to you may be sent by mail addressed to the last address shown in our records for you within the time frames required under state or federal law.

How We Handle E-Mail

Friendly Hills Bank’s website is public and not password protected. When any person visits our website, the Bank may collect certain basic information, such as how many people visited the site and what pages were visited. All of the information gathered at our website is general. Friendly Hills Bank uses this general information to determine: (1) which parts of the website are most popular, (2) how people access the site, (3) how it can improve the content of the web pages, and (4) how service can be improved to our clients.

The Bank’s website includes the capability to correspond with the Bank. This e-mail is not a secure form of communication. It is recommended that you do not send e-mail messages containing any personal, private or sensitive information, such as account numbers, mother’s maiden name, user ID’s and/or passwords. This e-mail correspondence should be for the purpose of asking general questions of a non-sensitive and non-confidential nature. Friendly Hills Bank will collect the e-mail addresses of those who correspond with the Bank via e-mail and any information that is provided to the Bank.

Important Notice

Privacy Guidelines

Please read the following privacy guidelines carefully. When you access and use the Friendly Hills Bank website, you indicate your acknowledgement and acceptance of the privacy guidelines below. This website and/or the privacy guidelines may change without any prior or subsequent notice to the user.

Hyperlinks

Hyperlinks to other Internet resources are furnished as a convenience to our clients. Once you click on a link, you will be leaving Friendly Hills Bank’s website and accessing an independent website. The Bank does not warrant or endorse the products, services or information provided on or through any independent website, nor are the Bank’s privacy policies or security procedures applicable when you link to any such website. Rather, if you have privacy, security or quality concerns, you should inquire of the operator of the independent website and you should always use up-to-date "computer virus" protection whenever you use the Internet.

About "Cookies"

To provide better service and a more effective website, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our web page server. These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address.

Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our web site and for a number of administrative purposes.

Protecting our Children

At Friendly Hills Bank we do not knowingly solicit data from children and we do not knowingly market to children. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

Products & Services

This website, and the products and services that are described or offered through the website, can be amended in whole or in part or terminated at any time. Users of the website shall have no right to expect the continuation of any part of the website nor any products and services that are described or offered through the website. Some products and services may not be available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by the Bank.

All information submitted by you via this website may be used by the Bank in any manner that complies with the applicable laws and regulations, and, the policies of the Bank.

No Warranties

All express and implied warranties are expressly excluded and disclaimed. Without limiting the generality of the preceding sentence, the Bank disclaims any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. The information and materials contained as part of this site are provided on an "as is" and "as available" basis. The Bank does not warrant the accuracy, adequacy or completeness of this information and materials, and it expressly disclaims liability for errors or omissions in this information and materials

Limitation of Liability

In no event shall the Bank be liable for any damages (including without limitation any direct, indirect, special, incidental, or consequential damages), losses or expenses arising in connection with the website, the use of the website, or the inability of anyone to use the website. The Bank shall also not be liable for any damages, losses, or expenses that arise in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, or computer or system failure, The Bank shall not be liable for such damages, losses or expenses even though it or its representatives are advised of the possibility of such damages, losses, or expenses.

Copyright

The Bank or a third party vendor owns the copyright to the pages and the screens displaying the pages that appear on this website.

Trademarks and Service Marks

The Bank or a third party vendor owns the claim trademark and service mark rights in marks contained in the pages.

Revised 1/2010