Privacy Statement

Our Privacy Commitment to You

Vibra Bank recognizes, respects, and protects the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customer's information in a confidential manner. The Bank is committed to providing the highest level of security and privacy regarding the collection and use of our customer's personal information, as well as personal information of all consumers who visit our institution and website. Every Director and employee is dedicated to this commitment. At Vibra Bank, protecting customer privacy, along with financial assets, is at the core of the Bank's business. You are protected not only by State and Federal laws but, even more importantly, by Vibra Bank's commitment to you.

Confidentiality and Security of Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information We Collect

We collect nonpublic personal information about you from the following sources:

·       Information we receive from you on applications or other forms.

·       Information about your transactions with us, our affiliates, or others

·       Information we receive from a consumer reporting agency

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your identity (including your name, address, social security number and driver's license number) account balance, payment history, and overdraft history.

Nonpublic Personal Information We Disclose

We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to other nonaffiliated third parties as permitted or required by law.

Examples of persons to whom your nonpublic information may be provided as permitted by law: We may disclose nonpublic information about you to others to assist us in servicing your loan or account with us, (such as the service company which processes checks for us) in response to subpoenas or similar legal process, and to credit reporting agencies, to account verification services in the event we choose to close your account with us, to government authorities if we believe a crime may have been committed, and in response to requests by our regulatory agencies or the Banks' independent auditors, consultants or attorneys.

Joint Marketing/Service Provider Disclosure

Although we would like to offer you a variety of services, there are many services that we do not ourselves provide. Sometimes specific customer information has to be shared with companies contracted to provide operational support. Any such contract would include confidentiality agreements to protect customer information. Vibra Bank will only do business with companies that agree to be held to the same high standard which the Bank uses in protecting confidential private information.

You should be aware that third parties with who Vibra Bank has business relationships might have access to customer information that has been obtained from a source other than Vibra Bank. Mailings and solicitations based on this information are not within the control of Vibra Bank.

Notify Us of Inaccurate Information We Report to Consumer Report Agencies.

Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy (ies) should be sent to us at the following address: Vibra Bank, 530 Broadway Chula Vista, CA  91910

Privacy on the Internet

Vibra Bank's Privacy Disclosure applies to customers' confidential and private information with regard to both traditional and Internet Banking activities. This policy also applies in its entirety to transactions at its web site.

Right To Amend

We reserve the right to amend our Privacy Policies from time to time. When required, we will provide you notice of any change.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the Privacy policies and practices described in this notice.