Privacy Policy

Protecting customer information is of the highest importance to us.

Our privacy policy applies to private financial information ("non-public personal information") that has been provided to us by, or that we learned from other sources about our customers, former customers and individuals who contact us about becoming customers ("you" or "your"). This policy applies not only to transactions you conduct on-line, but also to information you provide us through files, by telephone, and/or when you send us E-mail. We are providing this statement of our privacy policy to you as required by law.

You can visit our Web site without providing us with any personal information about yourself to find out about our products and services, to learn about our history and about career opportunities we have available.

Protecting your privacy is important to Banc Investment Group and our employees. In order to provide our customers with an excellent array of financial products and services as effectively and conveniently as possible, we utilize technology to manage and maintain customer information. We recognize, respect and protect the personal privacy of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as personal information of all consumers who visit our Web site.

We collect non-public personal information about you for the following sources:

• Information we receive from your applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
Information we receive from a consumer reporting agency or other entities.

We do not disclose any non-public personal information about our customers or former customers to anyone except as permitted by law.

We collect and retain information about you to identify and communicate with you, to provide you with products and services you have requested, to help us respond to your questions, and to inform you about other financial services that may be of interest to you.

We collect the following types of non-public personal information about you from the following sources:

• Information we receive about your identity, such as your name, address, social security number, and driver's license number;
• information about your transactions with us, our affiliates, and others;
• information we receive from you on your applications or other forms, such as information about your income and assets; and
• information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

We may also disclose non-public personal information about you as necessary to effect, administer, or enforce transactions that you have requested or authorized, or in connection with servicing or processing a financial product or service you have requested or authorized, or to maintain or service your accounts with us, or as otherwise described below. We normally disclose information:

• When it is necessary or helpful in completing a transaction;
• To verify the existence and condition of your account for a third party, such as a merchant, another financial institution or a credit reporting agency;
• To an account verification service, in addition to a credit reporting agency, if we close your account due to unsatisfactory handling, fraud, attempted fraud or criminal activity;
• To comply with a law, regulation, legal process or court order which applies to us or to an affiliate;
• When you authorize us to;
• To other companies, financial institutions and networks which may be involved in processing your transactions;
• To local, state or federal authorities, if we believe a crime may have been committed;
• To our agents and affiliates and to third parties who perform services or functions on our behalf to facilitate the delivery of information related to your accounts or to other financial services that may be of interest to you;
• In response to requests by our regulatory agencies or requests by agents Banc Investment Group or its affiliated companies, such as independent auditors, consultants or attorneys.

We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. Our policy is to prohibit employees from accessing your personal information unless there is a business reason to do so. Internal access and sharing of information about you within our various service units occurs to evaluate, structure and facilitate the services you have requested or to inform you of other financial services that may be of interest to you. We train our employees to recognize the importance of customer confidentiality. Employees who violate these standards are subject to disciplinary measures. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information.

Under the Fair Credit Reporting Act, we have a right to share information regarding transactions or experiences between you and Banc Investment Group. We will not share such information with nonaffiliated third parties, but unless you tell us not to, we may share with companies in our corporate family information about you including:

• Information we obtained from your application, such as your income or your marital status;
• Information we obtained from a consumer report, such as your credit score or credit history;
• Information we obtain to verify representations made by you, such as your open lines of credit; and
• Information we obtain from a person regarding its employment, credit, or other relationship with you, your employment history.

If you prefer that we not share this information with companies in our corporate family, you may direct us not to share this information by doing the following:

Call us at: (415) 399-5800

Write us at: Banc Investment Group
340 Pine Street, Suite 401
San Francisco, California 94104

This disclosure of our Privacy Policy applies to consumers. We reserve the right to make changes to this policy at any time, and will notify you if we do so.