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PRIVACY STATEMENT

Affinity Bank Consumer Privacy Statement

Affinity Bank is committed to protecting the privacy of its customers' information. We know that your financial information is personal and confidential. Our goals are to serve you as effectively and conveniently as possible and to ensure that information you share with us remains confidential.

Cookies & Browsers
This site uses a feature of your browser called a "cookie" to assign a "User I.D." A cookie is a piece of data assigned by a Web server to the browser on your PC. Cookies help Web sites to keep track of your preferences and to recognize return visitors. So, when you return to a Web site you've visited before, your browser gives this data back to the server.

Cookies, by themselves, cannot be used to find out the identity of any user. Your Affinity Bank User ID automatically identifies your computer - but not you - to our servers when you visit AffinityBank.com. Unless you specifically tell us who you are (for example by completing a contact form), if you are just browsing our site, we will never know who you are even though we assign you a cookie. This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site.

We recommend that you complete your online transactions and log off before surfing to other sites or turning off your PC. We also suggest that you do not surf to other sites during your online banking session.

Protecting Children's Privacy Online
We do not knowingly collect, maintain, or use personal information about children under age 13 from our website without obtaining verifiable consent from their parents. If we receive personal information from a child whom we know to be under 13, we will only use that information to respond directly to that child, notify parents, or seek parental consent. Affinity Bank is not responsible for the data collection and use practices of third parties to which our web site may link.

For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC web site at http://www.ftc.gov

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Affinity Bank.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
- Deposit account
- Loan account
- Automobile lease we service

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you are aware of our policy and your options.

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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
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 person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

Opt Out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with other parties
Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND
INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

YOUR INFORMATION AND OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

Transaction and experience information from our account records:

Information about your transactions and experience with us, such as:
- Name
- Address
- Types of accounts
- Birth date

Federal law allows us to disclose the information listed above with our affiliates. However, we will allow you to opt out of the disclosure of this information to our affilitiates.

TYPES OF AFFILIATES

We may disclose information about you to the following types of affiliates:

Membership and publication provider, such as:
Affinity Group, Inc.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Information you give us on an application or other forms, such as:
- Name
- Address
- Birth date
Information about your transactions with us, such as:
- Types of accounts

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

State Limitations

AL, AK, ID and VT - We will not share this information about our customers who reside in Alabama, Alaska, Idaho or Vermont.

MA, MS and NJ - We will not share any information derived from deposit relationships with us about customers who reside in Massachusetts, Mississippi or New Jersey.

IL - We will not share this information about our customers who reside in Illinois with other parties.

Types of Business

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

Financial service providers, such as:
- Securities broker-dealers
- Insurance agents
- Trust services

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION

Affiliates. We have explained the kinds of information we may disclose to our affiliates in the future. We have also explained the kinds of affiliates with whom we may disclose the information. If you prefer that we do not disclose information to our affiliates you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).

Your decision to block the disclosure of your information will apply to all products and/or services you receive from us.

If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.

If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need to return another opt out form.

If you wish to opt out of the disclosure of your information, you may do so by using any of the following methods:

Check the appropriate box(es) below and return this form to us at this address:
Affinity Bank
P.O. Box 8525
Ventura, California 93002
Do not share my information with your affiliates.
Complete and return the form which you can obtain at our website at www.affinitybank.com
or you can also request the form by calling 800-489-2194.

_______________________________________________________
Signature Date

_______________________________________________________
Name(s)

_______________________________________________________
Social Security Number(s)

_______________________________________________________
Street Address Apt#

_______________________________________________________
City, State, ZIP

IMPORTANT PRIVACY CHOICES FOR CONSUMERS IN CALIFORNIA

You have the right to control whether we share your personal information.

Please read the following information carefully before you make your choice below.

Your Rights

You have the following rights to restrict the sharing of personal and financial information with outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.

Time Sensitive Reply

You may make your privacy choice at any time. Your choice marked here will remain unless you state otherwise. However, if we do not hear from you, we may share some of your information with other companies with whom we have contracts to provide products and services.

Your Choices

Restrict Information Sharing With Companies We Own or Control (Affiliates): Please Note: Unless you say “No” we may share personal and financial information with our affiliated companies.

To exercise your choice, fill out, sign and send back this form to:

Affinity Bank
P.O. Box 8525
Ventura, California 93002

You may want to make a copy for your records.

The following information must be completed by the Consumer.

(_) NO, please do not share personal and financial information with your affiliated companies.

Restrict information sharing with other companies we do business with, to provide financial products and services. Please note: Unless you say “NO”, and return your response to us, we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

(_) NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.

_______________________________________________________
Signature Date

_______________________________________________________
Name(s)

_______________________________________________________
Account(s)

101 SOUTH CHESTNUT STREET
VENTURA, CA 93001
805-804-8300
800-489-2194

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