California Consumer Privacy Act Disclosure

Your privacy is important to us. This California Consumer Privacy Act Disclosure explains how Bank of Stockton (“Company,” “Bank”, “we,” or “us”) collect, use, and disclose personal information relating to California residents covered by the California Consumer Privacy Act of 2018 (“CCPA”). This notice is provided pursuant to the CCPA.

Categories of Personal Information (“PI”) We Collect

The following are the categories of PI collected by the Bank in the preceding 12 months:

Individual Identifiers

Such as name, alias, birthdate, addresses, telephone numbers, social security number, driver’s license number, passport number, signature, online identifiers, and /or other similar identifiers.

Household and Other Personal Identifiers

This includes marital status, household information, account numbers, and other contact information.

If you use any of our Internet Banking products we might collect website cookies, internet activity, transaction activity, biometric identifiers, location data and IP address used when signing onto our web application to help authenticate you.

Depending on the Banking products or services you requested, we might need to collect insurance, employment, records of personal property and / or education information.

For some Bank products we might collect credit and other information to help us establish your net worth.

Categories of Sources from which We Obtain PI

Consumer

Much of the PI we gather is provided by you when you complete our applications and forms for our products or services, or when an individual applies for a job with us.

Consumer Reporting Services

Depending on the products or services you requested, some PI may be verified or provided by a consumer reporting service, such as ChexSystems, credit bureaus, or identity verification services.

Account Processing Service Providers

Additional PI may be provided by one of our service providers from existing records.

Internet Search Engines, including Social Media

We might collect PI from the internet (including Social Media) depending on the products or services you requested, or when an individual applies for a job with us.

Job Application with us

PI is collected from the application provided by an individual when applying for a job with us.

Government Entities

We might collect PI from government entities depending on the products or services you requested, or when an individual applies for a job with us.

Use of Personal Information

Verify Who You Are

To verify who you are, how to contact you, and to help us service your account.

We verify the PI provided using standard verification procedures established for the financial industry.

Service Your Account

To service the products and services you have with us and evaluate, offer, and provide our Banking products or services.

Evaluate Applications

To approve or decline applications for loans, deposit accounts, and other bank services.

Fraud and Security

To assist the Bank in detecting and preventing security incidents, malicious, deceptive, fraudulent, or illegal activity.

Legal and Regulatory

To comply to law enforcement requests, and as required by applicable law, court order, government regulations, or other legal processes.

Website/App

To provide support for services provided by our website and/or App.

Employment Services

To consider applications for employment, maintain employment relationships, and other related employment permissible purposes.

Categories of Third-Parties with Who we Share the PI

Consumer Reporting Services

For some of our products or services, PI is shared with consumer reporting services to verify PI provided, service the account, or evaluate eligibility of the applicant.

Government Entities

When required by law or regulation, certain PI is provided to government entities.

Account Processing Service Providers

PI is shared with our third-party service providers to service the products you have selected. Our third-party service providers are not allowed to sell, share, or market any of our consumers’ PI we provide. Our third-party service providers are restricted from using any of our consumers’ PI for any purpose other than to process our products or services

Disclosure of PI for Business Purpose

We have disclosed PI about consumers to third parties for a business or commercial purpose in the preceding 12 months. Below is a list of categories of PI disclosed and the business or commercial purpose for disclosure.

Identifiers

Personal information categories

Protected classification characteristics

Commercial information

Internet or other similar network activity

Location data

Professional or employment related information

We do not share your information except as allowed by law. We share information only with those vendors providing servicing of your products and services, and require that they not sell, share, or use your information for any other purpose.

Sale of PI

Bank of Stockton does not and will not sell any PI collected from or about our consumers, including PI of minors under the age of 16.

Rights Under CCPA

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights

You have the right to request that Bank of Stockton disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you (subject to applicable exemptions and exceptions):

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you (also called a data portability request).
The categories of personal information we disclosed for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that Bank of Stockton delete any of your personal information that we collected from you and retained, subject to certain exemptions and exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exemption or exception applies. For example, we will not request deletion from a third party when the sharing was at your request or provided to comply with a subpoena or other legal process.

We may deny your deletion request, in which case we will not direct our service providers to delete, if retaining the information is necessary for us or our service provider(s) to:

Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

Calling us at 800-399-2265
Visiting us at any Bank of Stockton branch location
Writing to us at:
Bank of Stockton
Attn: CCPA Requests
PO Box 1110
Stockton, CA 95201

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Making a verifiable consumer request does not require you to create an account with us.

We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time, up to 90 days, we will inform you of the reason and extension period in writing.

We will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we

determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

Bank of Stockton reserves the right to amend this PRIVACY NOTICE for California Residents at our discretion and at any time. When we make changes to this Notice, we will post the updated Notice on the Website and update the Notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this Notice, the ways in which Bank of Stockton collects and uses your information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: 800-399-2265
Postal Address: Bank of Stockton
Attn: CCPA Requests
PO Box 1110
Stockton, CA 95201

California Consumer Privacy Act Disclosure