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At Far East National Bank, we value your trust and we know that privacy and security are important to you. We know we have a duty to keep your information confidential and secure. We are committed to customer service and to preserving the trust that you have in us.

We have established policies and procedures to help prevent the misuse of your personal information. By "personal information" we mean nonpublic personal financial information about you, not including information that is available from public sources such as telephone directories or government records. The policy summarized in this privacy notice applies to individual consumers who obtain products or services for personal, family, or household purposes and applies to our existing and former customers.

Collection and Use of Information
We collect information about you in order to provide you with products and services, and administer our business. We collect 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; and
  
• Information we receive from consumer reporting agencies and other lawful sources.

Disclosure of Information
We do not disclose any personal information about our customers or former customers to anyone, except as permitted by law. Examples of what is permitted by law include disclosing information:

• To affiliated or nonaffiliated companies if it is necessary or appropriate in completing a transaction or to service an account;
  
• To report to a consumer reporting agency;
  
• To comply with government or court orders;
  
• To report an apparent crime; or
  
• If you give us your consent.

Permissible disclosure includes sharing information among banks linked to your accounts through our CrossPacific Account service or as part of InterContinental Financial Services.

We also may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf.

We rely sometimes on third parties to help us provide products and services. We require those third parties to maintain similar standards regarding the privacy and confidentiality of any personal information we provide to them.

Security of Information
We restrict access to 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 personal information.

Effective Date and Changes
This Privacy Notice is effective March 25, 2005. We reserve the right to amend or change this notice from time to time and will notify you of any changes in accordance with applicable law.

Questions
If you have any questions regarding this Privacy Notice, you can contact us at:

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(c)2005 Far East National Bank | Member FDIC | Equal Opportunity Lender