This policy is effective as of July 2010.

Gateway Business Bank is committed to protecting your privacy online.  We understand how important it is that you are aware of what will happen to the personal information we collected from you.  This Online Privacy Policy explains how we collect, use and share information we gather from or about you online when you visit our website.  Our commitment to protect your information and your privacy extends to your online banking.  While our privacy policies are the same whether you are online or not, we have extra measures in place to protect your privacy when you bank online with us.  This notice applies to customers, former customers and visitors to our website.

About “cookies”.  To provide better service and a more effective web site, we use “cookies” as part of our interaction with your browser.  A “cookie” is a small text file placed on your hard drive by our web page server.  These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address.

Cookies are commonly used on web sites and do not harm your system.  By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted.  We use cookies to determine if you have previously visited our web site and for a number of administrative purposes.

• Information we receive from you on applications or other forms.  This may include your name, home and email addresses, assets, liabilities, marital status and income.
• Information about your online transactions and account experience, as well as information about our online communications with you.  Examples include your bill payments and your activity on the web site, such as collecting information on product information reviewed.

GBB may share Customer Information we collect from you online with nonaffiliated companies that act on our behalf.  These nonaffiliated companies are contractually obligated to keep the information we provide to them confidential and to use the Customer Information we share only to provide the services we ask them to perform.  These companies may include financial service providers such as payment processing companies, and non-financial companies such as check printing and data processing companies.

Personal information might be needed or requested from you so you can register for banking or other services, or to fill our forms or applications for services (such as credit cards), for special promotions or contests, or to accomplish transactions you request (such as bill payment or other banking services).  This may result in sharing of Personal Information with third parties (such as data processors or service bureaus) as part of servicing your accounts or transactions.

How We Handle E-Mail.  Included in our web site is the capability for the customer to correspond with the Bank via e-mail.  Internet e-mail is not secured.  This correspondence, via e-mail, should be for the purpose of asking general questions of a non-sensitive and non-confidential nature.  Do not provide sensitive or confidential information (for example, your account number).  The Bank will collect the e-mail addresses of those who correspond with the Bank via e-mail and any information that is provided to the Bank.

Consolidation Sites.  Please use caution when using consolidation sites.  Consolidation sites are Internet sites that offer the ability to collect all of your personal information on one site.  For example, you may be encouraged to provide consolidation sites with your personal finance information. Never provide this information to a site that you do not recognize and fully trust.

YOU SHOULD KNOW:  All transactions initiated by a consolidation site using access information you provide may be considered authorized by you, whether or not you were aware of the specific transaction.  You may revoke this authority only by notifying us, and we may need to block your account until we issue new access codes.

Our Commitment to Your Privacy.  You can count on GATEWAY BUSINESS BANK to keep you informed about how we protect your privacy and limit the sharing of information you provide to us whether it is at a branch office, over the phone or through the Internet.

What you can do to protect your financial information.  We are committed to ensuring that your information is accurate, current and complete.  You should routinely review and reconcile your account statements.  Safeguard and protect your account records and other information pertaining to your relationship with the Bank.  If you become aware of incorrect information in our records, please call us at 562-403-6969.  If the record is within our control, we will promptly make the necessary corrections.

Links to non-Gateway Business Bank Websites.  We are not responsible for the Information collection practices of the non-Gateway Business Bank links you click from our web pages.  We cannot guarantee how these third parties use cookies or whether they place on your computer cookies that may identify you personally.  We urge you to review the privacy policies of each of the linked web sites you visit before you provide them with any personally identifiable information.

The above information represents the Bank's Online Privacy Policy effective July 2010.  The Bank does, however, reserve the right to change this Policy at any time.