Notice of Your Financial Privacy Rights

At Pacific Premier Bank, respecting the privacy and security of your personal information is important to us. This notice summarizes our privacy policy and how we fulfill our commitment to protect your personal information.

We want you to understand what information we collect and how we use it. In addition, we want you to know how we keep your personal information secure.

DEFINITIONS

Let us begin by defining some terms that you will see in this notice.

• "We", "our", and "us" refer to Pacific Premier Bank.
• "You" and "your" refer to our customers who seek or obtain financial products or services for personal, family or household purposes.
• "Affiliate" means a company that we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
• "Nonaffiliated Third Party" means a person who we do not employ or a company that is not our affiliate.
• "Nonpublic Personal Information" means personally identifiable financial information you provide to us or we obtain about you in connection with a financial product or service. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will also use the term "personal information" to mean nonpublic personal information as defined in this paragraph.

CONFIDENTIALITY AND SECURITY

We understand the importance of keeping your personal information confidential and are committed to protecting your privacy.

We hold our employees to strict standards of conduct to ensure the confidentiality of your personal information. We restrict access to nonpublic personal information about you to our employees and service providers so that they can provide or offer products and services to you, process and service your accounts, and administer our business.

We protect personal information we collect about you by maintaining physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

INFORMATION WE COLLECT

We collect nonpublic personal information about you from 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, and credit usage); and
• Information we receive from a consumer reporting agency (such as your credit score and credit history).

SHARING INFORMATION

We do not sell your personal information to third parties.

We may disclose the following information to companies that perform marketing services on our behalf:

• Information we receive from you on applications or other forms, such as your name and address; and
• Information about your transactions with us, such as your account balance, payment history, parties to transactions, and credit card usage.

We may also disclose nonpublic personal information about you to nonaffiliated third parties with your permission or as permitted by law (e.g., when necessary or helpful in processing or confirming your transactions; to verify the existence, history and condition of your account for credit reporting agencies; and to protect against unauthorized transactions).

FORMER CUSTOMERS

We do not disclose nonpublic personal information about our former customers except as set forth in this policy.

MAINTAINING THE ACCURACY OF YOUR INFORMATION

We want to keep your account information accurate and up-to-date. You may verify the accuracy of your information by reviewing your account statements, using our Online Banking service, or dialing our toll free customer service phone number. If you ever find that your account information is inaccurate, incomplete or out of date, please notify us immediately by calling (866) 353-1476.

UPDATES TO OUR PRIVACY POLICY

We provide our customers with written notice of our privacy policy on an annual basis. We may add to, delete or change the terms of our policy from time to time. You can always view our current privacy policy on our website at www.ppbi.net or request a copy by phone at (866) 353-1476.

VISITORS TO OUR WEB SITE

You may learn more about Pacific Premier Bank and the services we offer by logging onto our website at www.ppbi.net. Visitors to our website remain anonymous, unless they register for a service or otherwise elect to disclose their identity to us. Although we do not collect personally identifying information about persons who simply visit our website, we do collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the internet). If you register with us for a service (such as our Online Banking service) you will be asked to provide us with information that we use to verify your identity (e.g., your name, account number, and date of birth). You may also provide us with information relating to your online transaction requests, such as bill payment payees, account numbers, and payment addresses. We do not disclose information that we collect from our website to anyone, except as set forth in this policy.