Privacy Notice

FACTS	What does Beacon Business Bank do with your personal information?
What?	The type 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 Income Account balances and transaction history Credit history Transaction or loss 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 Beacon Business Bank, N.A. chooses to share; and whether you can limit this sharing.

FACTS

What does Beacon Business Bank do with your personal information?

What?

The type 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 Income
Account balances and transaction history
Credit history
Transaction or loss 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 Beacon Business Bank, N.A. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Beacon Business Bank, N.A 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 nonaffiliates to market you	No	We don’t share

Questions	Call 415-543-3377

What we do
How does Beacon Business Bank, N.A. 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 and secured files and buildings.
How does Beacon Business Bank, N.A. collect my personal information?	We collect your personal information, for example, when you: Open an account or apply for a loan Pay your bills or use your credit or debit card Show your driver’s license 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 to you State law 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. • Our affiliates include Trans Pacific Bancorp.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. • Beacon Business Bank, N.A. does not share with nonaffiliates.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include: Beacon Business Bank, N.A. does not currently have any joint marketing partners.