Internet Security Policy

INTRODUCTION

Desert Commercial Bank understands the importance of protecting the confidentiality of your personal information. When customers place their business with the Bank the expectation is that the Bank will honor their trust with a commitment to privacy. At the same time Desert Commercial Bank wants to offer the variety of financial products and services that the customer needs and which are consistent with the communities that the Bank serves.

OUR MAINTENANCE OF ACCURATE INFORMATION

We have procedures in place to help ensure that your financial information is accurate, current, and complete in accordance with commercial standards. Our procedures include steps for responding to customer requests to correct inaccurate information in a timely manner and processes to update information and remove old information if necessary.

LIMITING EMPLOYEE ACCESS TO INFORMATION

Desert Commercial Bank limits access to customers' confidential and private information to employees with legitimate business reasons for knowing such information. We educate our employees about the importance of confidentiality and customer privacy, and we take appropriate disciplinary measures to enforce employee privacy responsibilities.

SECURITY PROCEDURES TO PROTECT INFORMATION

We maintain security standards and procedures to help prevent unauthorized access to confidential information about you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

INFORMATION ABOUT FORMER CUSTOMERS

We have the same policy about disclosing information about former customers as we do about current customers.

SPECIAL INFORMATION APPLICABLE TO ELECTRONIC (INTERNET) BANKING

Desert Commercial Bank's "Privacy Notice" will apply to customer's confidential and private information with regard to both traditional and non-traditional (i.e. Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, Desert Commercial Bank feels it is important for customers to be aware of the unique issues surrounding Internet Banking. Desert Commercial Bank operates a general audience website.

Desert Commercial Bank collects generic information about visitors through our website through the use of "cookies" placed on the visitor's hard-drive. These cookies tie certain information we may track, such as the date and time of access, the activities in which the visitor engages while on our website, the Internet Service Provider's address, the web browser used and other information.

Desert Commercial Bank requires customers to utilize specific passwords for access to confidential and private information. Desert Commercial Bank reminds customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted.

Desert Commercial Bank utilizes encryption, firewall, router, third party verification procedures and other sophisticated security software and hardware to help prevent unauthorized eavesdropping of and access to customers' confidential and private information. However, no one can guarantee that all of these measures will prevent unauthorized access to our processing system and the data therein.

Desert Commercial Bank utilizes up-to-date computer virus protection software to help prevent the spread of computer viruses. However, we cannot guarantee that we will be able to prevent computer viruses from being spread to those who access our website.

Desert Commercial Bank reminds all of our customers that links in the institution's website may be to websites not under our control. These websites will not necessarily comply with Desert Commercial Bank's "Internet Security Policy" and security standards.

Desert Commercial Bank reminds all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities.

Desert Commercial Bank can only establish policies and procedures to help restrict use of and access to confidential and private information. If any Desert Commercial Bank customers believe that confidential and private information has been compromised, please contact Desert Commercial Bank immediately so that the potential breach can be investigated.

NOTIFICATION OF CHANGE

Desert Commercial Bank will notify customers of any changes to our “Internet Security Policy" by posting a prominent message on our Home Page.

CONTACT INFORMATION REGARDING PRIVACY OR CONFIDENTIALITY ISSUES

For any comments or complaints about this policy, any privacy-related issue or any inaccuracy in customer data, please contact:

Desert Commercial Bank

44-801 Village Court

Palm Desert, California 92260

Phone 760 340-7595, Fax 760 340-7599

 Customer Service E-mail 

Revised 9/10