NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Merchants Bank of California N.A.
This is our privacy notice for our customers. When we use the words "you" and
"your" we mean the following types of customers:* All of our consumer customers
who have a continuing relationship with us, such as:

• Deposit account
• Loan account
• Safe deposit box

We will tell you the sources for nonpublic personal information we collect
on our customers. We will tell you what measures we take to secure that
information. We first define some terms.

Nonpublic personal information means information about you that we collect in
connection with providing a financial product or service to you. Nonpublic personal
information does not include information that is available from public sources,
such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us,
or a company that is owned or controlled by the same company that owns or
controls us. Ownership does not mean complete ownership, but means owning
enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any nonpublic personal information about
you to anyone, except as permitted by law.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY
OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those
employees who need to know that information to provide products or services
to you. We maintain physical, electronic, and procedural safeguards that comply
with federal standards to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former
customers, except as permitted by law.

Home / Contact Us / Privacy Policy / Security Policy /__________________________________________________© Merchants Bank of California, N.A.__2003