Privacy Statement

Introduction and Mission Statement

At Mission National Bank (called "MNB" or "Bank" herein), our mission is to address the financial needs of the customers we serve. We want to offer you, our customers, the array of financial products and services you need to accomplish your financial goals. We recognize that trust is the basis for each of our customer relationships, many of which span generations. As our customer, you entrust us with sensitive financial information, referred to in this Privacy Policy, as "Personal Information" (and called "nonpublic personal information" and/or "personally identifiable information" in applicable laws and regulations).

We honor the trust you place in Mission National Bank and its staff, by making it a priority to treat your Personal Information responsibly and by preserving its confidentiality. We believe that the privacy of both current and former customers should not be compromised, and have adopted this Privacy Policy (called "Policy" herein) to help us achieve that important goal. By explaining our Policy to you, we hope that you will better understand how we keep your Personal Information private and secure while we use it to provide you with the finest possible service.

Security Procedures that Protect Personal Information

MNB is committed to the security of your Personal Information. We use a combination of physical, electronic and procedural safe-guards that comply with federal standards, to store your Personal Information and to secure it from unauthorized and criminal access as well as from alteration or destruction. Our operational and data processing systems function in a secure environment, and our technical staff is trained to operate those systems so as to maximize the protection of your Personal Information. Our security standards are also supported by physical and procedural safeguards that restrict access to your Personal Information to those employees who require access to do their work, and by providing those employees with intensive privacy training.

MNB employees at all levels, especially those who require access to your Personal Information, are held to the very highest standards needed to ensure confidentiality. Employees must follow the procedures for handling and protecting confidential and proprietary information established in the Bank’s Code of Business Conduct (called "Code" herein), which all employees and other insiders (including the Board of Directors) are required to sign. The Code reaffirms that your Personal Information is private and privileged and that its use is restricted to providing you with quality service. Employees who violate the Bank’s privacy standards are subject to disciplinary measures, up to and including termination.

Coverage and Notice of Changes in Our Information-Sharing Practices

We provide our Privacy Policy to customers when they open a new account and annually after that. However, this Policy, and any subsequent revisions, will be available to customers at any time upon request. If we change our policies with respect to sharing your Personal Information in a way that is inconsistent with this Policy, such as permitting disclosures to additional types of parties, you will be notified in advance. If required by law, we will also provide you with an opportunity to "opt out" of such disclosure. This means that we will give you a chance to refuse to permit the added disclosure, and that we will allow a reasonable amount of time (usually 30 days) for you to decline before we make any such disclosure.

This Policy applies to consumers who are customers or former customers of MNB or of any affiliated companies that, in the future, may provide financial services as defined by applicable laws and regulations. No Personal Information is presently shared with affiliates. The Personal Information of former customers is not shared with affiliates or with non-affiliated third parties except as may be required by law. Such information is retained for the period required by applicable regulations and is subsequently destroyed.

If you have a question about this Policy or about the ways in which Mission National Bank protects the confidentiality of your Personal Information, please visit your local MNB Branch, call our Answer Center at (415) 826-3627, Extensions 3015, 3024 or 3018, or e-mail us at or Our senior officers maintain an "open door" policy with respect to privacy issues, and upon your request, they will be happy to further explain the Bank’s reasons for collecting, using, retaining and/or disclosing your Personal Information.

Management of Your Personal Information

MNB collects, retains and uses your Personal Information when reasonably necessary and as permitted by law, in order to conduct our business, provide you with our products and services and administer related accounts and transactions, provide you with superior service, and offer opportunities that we think will be of interest to you and to our other customers. Because your trust is our most important asset, the safekeeping of your Personal Information has priority status in all of our business operations.

Personal Information We Have About You

Personal Information is collected for specific business purposes from a variety of sources. Information is collected as a function of providing you with our products and services. For example:

When you open an account, you provide us with certain information, such as your name, address, phone number, e-mail address, Social Security number, mother’s maiden name, etc.

When you apply for credit, you provide us with income data. We may also collect information from outside sources, such as your credit history from a reputable consumer reporting agency.

Once you have an account with us, we maintain Personal Information about your transactions, such as account balances and payment history, in order to administer your account(s).

To improve our product and service offerings, the Bank may collect data on an internal list that reflects your activities and history with MNB. In addition, as part of our efforts to reach new customers and to better serve existing customers, the Bank may, at some future time, collect and use outside information such as mailing lists from reputable sources.

Keeping Your Personal Information Accurate and Up-to-Date

MNB follows procedures designed to ensure that your Personal Information is accurate, current and complete, and in keeping with reasonable commercial standards. If you identify an inaccuracy in your Personal Information, or you need to change or correct information, please notify us immediately. The Bank’s staff will respond to your concerns and correct inaccuracies in a timely manner.

Use of Your Personal Information

The Bank will use Personal Information only as permitted by law and in accordance with the privacy principles set forth in this Policy. Personal Information is used:

To protect and administer your records, accounts and funds;

To help us identify and mitigate potential risks or losses to MNB;

To comply with applicable laws and regulations;

To understand your financial needs; and accordingly

To help us design and provide you with new and improved products and services that our banking professionals believe will do a better job of addressing your financial needs.

Sharing Information for Legal and Routine Business Reasons and for Joint Marketing

MNB does not disclose Personal Information about our customers or former customers to anyone except as permitted by law. It is our policy to not reveal specific Personal Information to non-affiliated third parties for their independent use, except for the exchange of information with reputable information/credit reporting agencies in order to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence and business matters. Nevertheless, you have a right to know how we handle privacy issues with firms engaged in business relationships with MNB. We require these parties (generally the Bank’s vendors, suppliers, and service providers) to enter into written contracts agreeing to safeguard our customers’ Personal Information, and limiting its use to the performance of the specific service(s) that the Bank has requested.

MNB strictly limits the Personal Information it shares with non-affiliated companies. The Bank does not disclose Personal Information to these non-affiliated third parties, unless:

You request or permit the information to be shared.

Personal Information is disclosed to companies that help the Bank process or service your financial transactions or account(s), for example, companies that print and mail your account statements. In such cases, the Bank only shares the minimum amount of Personal Information required to provide the product or service requested.

Personal Information (such as the fact that you are a MNB customer) may be disclosed to a non-affiliated financial institution with whom the Bank jointly markets, offers or sponsors a bank product or service, for example, a credit card product and the servicing of the related credit card account. The contract(s) between the Bank and the other financial institution must ensure the same high standard of confidentiality that the Bank provides. Specifically, the written contract(s) must prohibit the other financial institution from re-disclosing or reusing any Personal Information for its own purposes, require restricted access to any Personal Information entrusted to its care, and limit its use to the specific service(s) provided under the contract(s).

The Bank may disclose or report Personal Information in limited circumstances when we believe in good faith that disclosure is required or permitted under law, for example, in the normal course of business to cooperate with government agencies or law enforcement authorities, to resolve consumer disputes, to perform credit/authentication checks, or for institutional risk control.

The disclosure is legally required or permitted by law, for example:

when litigation or legal process (such as a subpoena) is involved; or

in an investigation of fraudulent activity; or

when requested by a bank regulator.

The Bank is involved in an acquisition or sale.

MNB does not disclose Personal Information to non-affiliated third-parties except as described above. MNB does not provide account numbers or social security numbers to affiliated or non-affiliated third parties except as may be required by law, for example, due process such as a search warrant, subpoena or other judicial process, or for data matches required by the Office of Child Support Enforcement under the Personal Responsibility Act of 1996.

Outside of these exceptions, MNB will not share your Personal Information with non-affiliated third parties unless you have specifically asked the Bank to do so. That is, you have "opted in," OR the Bank has given you an opportunity to "opt out" and you have not done so. Our overriding philosophy is to serve our customers, not exploit them. We do not rent or sell your Personal Information to third parties for their independent use.

MNB explicitly reserves the right to modify or add terms to this Policy (and to its customer contracts) to reflect its future election to disclose Personal Information not presently disclosed, and to disclose such information to affiliated companies or to additional categories of non-affiliated parties. For example, Bank management might determine that disclosure of customer names and addresses to an advertising or public relations firm hired to market new products will benefit the Bank and its customers. However, any such disclosure is subject to giving you prior notice and an opportunity, as required by law, to exercise your right to "opt out." That means your right to direct the Bank not to make the proposed disclosures (other than disclosures permitted by law). In that event, rest assured that MNB will honor your preferences