Heritage Oaks Bank

Website Security Commitment

Heritage Oaks Bank has a long tradition of respect for the privacy of our clients and the confidentiality of the information you provide us. In today's age of spammers and online scams, we understand how much your privacy means to you. Even when we use new technologies to serve you better, you still to have the right to expect that your private information will be protected.

Web Site Privacy

Through our Web site, we strive to provide valuable information to you about how we may serve you, our existing customer and all potential new customers. As a visitor to our Web site, you need not be concerned about the privacy of your personal information.

If however, you decide to contact us via e mail, please keep in mind that e mail on the Internet is not secure. We cannot guarantee the confidentiality of information sent via e mail on the Internet. We strongly discourage you from including your Social Security Number, your Account Number or any other form of personal financial information or identification in your e mail to us. Your e mail address and any other information your e mail header shows about you, such as your name or organization, will be revealed to us in the e mail. We will use this information only for the specific purpose of responding to your comments or questions. Your e mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.

Personal Information Which May Be Obtained From You

Personal information includes all of your personal identifying information which you provide us online and may include: your name, address and telephone number, your e-mail address, your Internet Service Provider, the web browser you use, products you are interested in or use, and the content of any sent or received cookie.

Cookies and Your Personal Information

Some parts of the Heritage Oaks Bank website may use a 'cookie', which is a file placed on your computer hard drive. This allows the bank's web server to log the pages you use in the bank's website and to determine if you have visited the site before. The cookie captures no personal identifying information. The bank uses this information to provide certain products and services on its site. You can set your browser to warn you when placement of a cookie is requested, and decide whether or not to accept it. By rejecting a cookie some of the features available on the site may not function correctly.

Traditional Banking Privacy

FACTS

WHAT DOES HERITAGE OAKS BANK
DO WITH YOUR PERSONAL INFORMATION?

rev. 9/10

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 income

account balances and payment history

credit history and credit scores

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 reason Heritage Oaks Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Heritage Oaks 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	YES	YES
For joint marketing with other financial companies	NO	We dont share
For our affiliates everyday business purposes Information about your transactions and experiences	NO	We dont share
For our affiliates everyday business purposes Information about your creditworthiness	NO	We dont share
For our affiliates to market to you	NO	We dont share
For non-affiliates to market to you	NO	We dont share

To limit our
sharing

Call 805.369.5200, option 4

Mail the form below

Please note: If you are a new customer, we can begin sharing your
information (30) days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Mail-in Form

Call 805.369.5200 or visit www.heritageoaksbank.com

Questions?

Name:
Address:
City, State Zip:
Account #(s):

Mail to: Heritage Oaks Bank, attn.: Opt Out Notice
1222 Vine Street, Paso Robles, CA 93446

Who we are
Who is providing this notice?	Heritage Oaks Bank and Business First Bank, a division of Heritage Oaks Bank
What we do
How does Heritage Oaks 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 and secured files and buildings.
How does Heritage Oaks Bank collect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan Use your debit card We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why cant I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates everyday business purposesinformation about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choice will apply to everyone on your account.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Heritage Oaks Bank has no affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Heritage Oaks Bank does not share with non-affiliates so they can market to you.
Joint marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Heritage Oaks Bank does not jointly market.