Privacy Policy

Your Privacy Is Important to us!

Pacific Crest Savings Bank is committed to protecting the privacy of its customers' information. We know that your financial information is personal. Our goals are to serve you as effectively and conveniently as possible and to ensure that information you share with us remains confidential. As part of our commitment, we have adopted the following privacy principles and have implemented them at all levels of our organization.

Privacy of Information - Customer Expectations
Trust, Privacy, and Confidentiality are the watchwords of our commitment in meeting customer expectations of how we use the information we obtain.
Collection, Use, and Retention of Customer Information
We may collect nonpublic personal financial information about you from the following sources:
- Information we receive from you on applications or other loan and account forms;
- Information about your transactions with us or others; and
- Information we receive from third parties such as credit bureaus.
We collect, retain, and use nonpublic personal financial information about you in order to: allow us to conduct our business with you, satisfy legal reporting requirements, administer our internal operations, and provide other products and services to you that we believe you may find of value.

If we collect information about you, we will do so only for a specific business purpose; and, if you request, we will tell you why we are collecting the information.
Accuracy of Information
Maintaining the accuracy of your personal information is important. We have procedures to help assure that your personal information is accurate, current, and complete. We also have procedures to correct inaccurate information in a timely manner, including processes to update information or remove outdated information. If you discover any information we have about you that is incorrect, please let us know.
Employee Access to Information is Limited
Pacific Crest Savings Bank has procedures in place to limit access to your personal information to those employees with a specific business reason for knowing such information. We educate our employees about the importance of confidentiality and customer privacy.
Protection of Information via Established Security Procedures
Pacific Crest Savings Bank maintains security standards and procedures regarding unauthorized access. We update and test our technology to improve the protection of our customer information and to protect the integrity of our information. We also ask you to closely review your account and loan statements and contact us right away if you believe that someone has improperly accessed financial information about you.
What Information We Disclose
We do not reveal specific information about your accounts or other personally identifiable data to parties outside our organization unless it is under the following circumstances:
- you request or authorize the disclosure;
- the information is provided to help complete a transaction initiated by you;
- the information is provided to a reputable credit bureau or similar information reporting agency; or
- the disclosure is otherwise authorized or required by law.
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy practices outlined in this policy.
Maintaining Your Privacy When We Do Business Outside Our Organization
It is sometimes necessary to provide personally identifiable information about you to a party outside our organization. An example is when we hire a vendor to provide support for one or more of our products or services. When we work with outside businesses or companies, we require them to safeguard your personal and confidential information. These vendors must also abide by applicable law.

Certain transactions or documents, such as Deeds of Trust, are recorded with government agencies. This recorded information becomes public and may be accessed by vendors for marketing purposes. We cannot prevent access to the public archives.

Pacific Crest Savings Bank may sell loans it originates to investors. These investors are also required to protect loan customers' personal and confidential information; however, occasionally the investors may share certain information with vendors, in order to provide you with special offers of financial products and services. If you wish not to be contacted by third parties, please use the information provided below. Pacific Crest Savings Bank does not sell our customer lists.
Removal from Lists
Pacific Crest Savings Bank only shares information about you as described in this privacy policy. If you wish to reduce the amount of national advertising you receive, you may notify the Direct Marketing Association. The Direct Marketing Association has no relation to Pacific Crest Savings Bank, but we have included the following addresses as a service to you so that you may request to be excluded from mailing lists.
Mail Preference Service
c/o Direct Marketing Association
P.O. Box 9008
Farmington, NY 11735-9008

To reduce the volume of telemarketing calls you receive you may register with the Federal Trade Commission's National Do No Call Registry. You can register online at www.donotcall.gov or call toll free, 1-888-382-1222 (TTY 1-866-290-4236) from the number you wish to register. Registration is free.
Please be sure to include complete information about each name, address, and telephone number you would like excluded from national advertising lists. If you have moved within the last year, please also include your old address and phone number. The same is true for name changes and the addresses and phone numbers associated with each name.
Complaints
Because of Pacific Crest Savings Bank's high commitment to confidentiality of customer information, complaints relating to this policy should be forwarded directly to Pacific Crest Savings Bank, Administration, for prompt attention.
Whom Should You Contact with Questions?
If you have questions about this privacy policy, please call Pacific Crest Savings Bank at 425.670.9600 or 800.335.4126. We will gladly answer your questions.