First Private Bank & Trust (FPB&T) is a provider of private banking and wealth management services to high net worth individuals and small businesses in the Los Angeles area.

TERMS OF USE

Privacy Statement
At First Private Bank & Trust, we want you to know about the information we collect about you and how this information might be used.

OUR BANKS INFORMATION MANAGEMENT PRACTICES
First Private Bank & Trust collects nonpublic customer information from some or all of the following sources:

Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;

Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions and credit card usage; and

Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.

RESTRICTIONS ON THE DISCLOSURE OF ACCOUNT INFORMATION
First Private Bank & Trust a does not share information with third parties with whom we have no contractual business relationships and no joint marketing agreements unless: (1) you request it, (2) it's necessary to complete a transaction, (3) the information is required/or allowed by law, or (4) the information is provided to a credit bureau or other reputable information reporting agency.

We may disclose some or all of the information we collect to companies that perform services on our behalf. We do not provide account or personal information about former customers. We do not provide account or personal information to non-First Private Bank & Trust companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

MAINTAINING YOUR PRIVACY IN OUR BUSINESS RELATIONSHIPS
We restrict access to nonpublic 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 regulations to guard your nonpublic personal information. When customer information is provided to a third party, we will require - through written agreement - that the third party, adhere to privacy principles similar to those to which First Private Bank & Trust adheres for keeping your information confidential.

Security Statement
This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity
To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user establishes a server session.

Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet banking transactions are secure.

Contact Us at: 818-501-1700 or info@1stprivate.com