COMMUNITY BANK - PRIVACY NOTICE

June 2006

At Community Bank, we value your trust and respect your privacy. This notice applies to our existing and former customers, meaning individuals who obtain a financial product or service from us primarily for consumer (personal, family or household) purposes.

RECOGNITION OF YOUR EXPECTATION OF PRIVACY

We respect your expectation of privacy and have established these policies and procedures to prevent the misuse of your personal information. “Personal Information” refers to most non-public personally identifiable financial information about you, but does not include information that is available from public sources, such as telephone directories or government records.

COLLECTION, USE AND RETENTION OF INFORMATION ABOUT YOU

We collect personal information about you in order to administer our business and provide you with products and services. We use the information to protect and administer your records and accounts; to communicate with you; to comply with applicable laws and regulations; and to help us design and improve our products and services.

We collect personal information about you from the following sources:

• Information we receive from you on applications and other forms.
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from consumer reporting agencies and other lawful sources.

DISCLOSURE OF INFORMATION

We do not disclose personal information about you or our former customers to anyone except as permitted by law. Examples of what is permitted by law include: disclosing personal information to non-affiliated companies if it is necessary or helpful in completing a transaction; to report to a consumer reporting agency; to comply with government or court requests; to report an apparent crime; or if you give us your consent.

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf. There is no right to opt out of those disclosures.

We carefully chose those companies that we feel can enhance our product offerings to our customers. We require those third parties to maintain similar standards regarding the privacy and confidentiality of any personally identifiable customer information provided to them.

THE SECURITY OF ACCOUNT INFORMATION

We restrict access to nonpublic personal information about you to our employees and agents who have a need to know such information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your personal information.

CHANGES TO THIS POLICY

We may amend this notice from time to time and will notify you of any amendments in accordance with applicable laws.

QUESTIONS

If you have any questions regarding this Statement, you can write to us at Community Bank, Attn: Privacy Policy, P.O. Box 513715, Los Angeles, CA 90051-3715, or call us at 1-800-788-9999.

THE FOLLOWING NOTICE APPLIES TO ALL CUSTOMERS OF COMMUNITY BANK.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.