EXCEL NATIONAL BANK
IMPORTANT PRIVACY INFORMATION - PRIVACY STATEMENT

Our Privacy Commitment to You

We recognize, respect and protect the personal rights of all our customers. We realize that our customers entrust us with nonpublic 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' nonpublic personal information, as well as nonpublic personal information of all our consumers who visit our institution and Website.

This Privacy Statement covers Excel National Bank

Confidentiality and Security of 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.

Personal Information We Collect and How We Collect that Information

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, our affiliates, or others;
• Information we receive from a consumer reporting agency; and
• Information we collect through Web technologies.

Personal Information We Disclose

We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to other nonaffiliated third parties as permitted by law.

Third Parties With Whom We May Share Your Personal Information

The law allows (and sometimes requires) Excel National Bank to disclose the nonpublic personal information of its customers and consumers to:

• Bank regulators;
• Companies that provide financial, data and other services to Excel National Bank; and
• Other persons and organizations authorized or required by banking law and regulation, judicial process or other authority to receive such information.

Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies

Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address:

Excel National Bank
9701 Wilshire Blvd
Beverly Hills, CA 90212

Notice of Changes to Privacy Statement

Excel National Bank notifies consumers who use or visit its Website or online services of material changes to its Privacy Statement by posting the date on which the Privacy Statement was last modified. Excel National Bank will also notify its customers of material changes in the Privacy Statement by sending its customers annual privacy notices. The effective date of this Privacy Statement, as noted below, indicates the last time that this Privacy Statement was revised. Reviewing the stated effective date allows you to determine whether there have been any changes to it since you last reviewed it. By using or visiting Excel National Bank's Website, conducting business with, or becoming a customer of, Excel National Bank, you agree to accept the terms and conditions of this Privacy Statement and you agree to review this Privacy Statement from time to time to stay informed of changes that may occur.

Effective Date

This policy originally took effect on August 31, 2005 and was last modified May 11, 2009.

For Questions or Concerns about this Privacy Statement

If you have questions or concerns about this Privacy Statement, please contact us at: info@bankexcel.com or by calling (310)362-2000.