FACTS

WHAT DOES MERCHANTS BANK OF CALIFORNIA, N.A. DO WITH YOUR PERSONAL INFORMATION?

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:

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 Merchants Bank of California, N.A. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Merchants Bank of California, N.A. share?

Can you limit this sharing?

For our everyday business purposes-
such as to process your transactions, maintain your accounts(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 do not share

For joint marketing with other financial companies

No

We do not share

For our affiliates’ everyday business purposes-
Information about your transactions and experiences

No

We do not share

For our affiliates’ everyday business purposes-
Information about your creditworthiness

No

We do not share

For nonaffiliates to market to you

No

We do not share

Questions?

Call 310-549-4350 or go to www.merchantsbankca.com

Who We Are

Who is providing this notice?

Merchants Bank of California, N.A.

What We Do

How does Merchants Bank of California, 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 Merchants Bank of California, N.A. collect my personal information?

We collect your personal information, for example, when you

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

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

• Merchants Bank of California, N.A. has no affiliates

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

• Merchants Bank of California, N.A. does not share with nonaffiliates so they can market to you

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Merchants Bank of California, N.A. does not jointly market

Other Important Information

For California Customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.