Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income
• Account balances and payment history
• Transaction history and employment information

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons Opus Bank chooses to share; and whether you can limit this sharing.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We restrict access to your personal and account information to employees that can provide products and services to you.

We collect your personal information, for example, when you

• Make deposits or withdrawals from your account
• Apply for a loan or provide employment information
• Give us your income information

We also collect your personal information from others, such as credit bureaus or other companies.

Federal law gives you the right to limit only

• sharing for affiliates' everyday business purposes—information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

See below for more on your rights under state law.

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Opus Bank has no affiliates.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Opus Bank does not share with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Opus Bank jointly markets with nonaffiliated credit card companies.

California law gives you the right to opt out of certain sharing. Please see the enclosed notice entitled, Important Privacy Choices for Consumers (Opt-Out Form)