Legal Notices & Policies

Our Accessibility Goal

Western Alliance Trust Company (“WATC”) has an ongoing commitment towards achieving the highest levels of customer satisfaction when interfacing with the public. As part of these efforts, WATC is dedicated to offering a quality online experience at its website www.westernalliancetrust.com (our “Website”) to those with disabilities. We intend this online experience to be full and equal to the browsing experience provided to those without disabilities. We want everyone who visits www.westernalliancetrust.com to feel welcome and find the experience productive.

How Are We Achieving This?

To assist in achieving this accessibility goal for our Website, WATC is committed to ensuring that our Website is designed, developed, and operated in substantial conformance with generally-recognized and accepted guidelines and/or standards for website accessibility (the “Standard”). While these Standards may change or evolve over time, the current target Standard is the World Wide Web Consortium’s Web Content Accessibility Guidelines 2.1 at Level AA (“WCAG 2.1”).

WATC is continuing to take the steps necessary to achieve substantial conformance with WCAG 2.1 AA. We monitor the Website regularly to maintain this Standard, but if you do find any problems, please get in touch with us at accessibility@westernalliancebank.com.

Let Us Know What You Think

Please be aware that our efforts are ongoing. If at any time, you have any specific questions, feedback, or concerns about the accessibility of any particular Web page on www.westernalliancetrust.com, please contact us at accessibility@westernalliancebank.com. If you do encounter an accessibility issue, it would also be helpful to specify the Web page/URL in your email, so that we can make all reasonable efforts to address your concerns.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person or business that opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. For business accounts, we may ask for company formation documents and proof of tax identification number (TIN).

BENEFICIAL OWNERSHIP NOTICE
To help the government fight financial crime, Federal regulation requires certain financial institutions to obtain, verify, and record information about certain individuals who own or control legal entity customers at the time the customer opens a new account.

A legal entity includes a corporation, limited liability company, or other entity that is created by a filing of a public document with a Secretary of State or similar office, a general partnership, and any similar business entity formed in the United States or a foreign country. Legal entity does not include sole proprietorships or natural persons opening accounts on their own behalf. It also does not include unincorporated associations (such as Scout Troops and youth sports leagues). Under some circumstances we may ask to verify the beneficial ownership details on an annual basis.

We are required to collect the name, address, date of birth and Social Security number (or passport number or other similar information, in the case of foreign persons) for the following individuals (i.e., the beneficial owners):

(i) Each individual, if any, who owns, directly or indirectly, 25 percent or more of the equity interests of the legal entity customer (e.g., each natural person that owns 25 percent or more of the shares of a corporation); and

(ii) An individual with significant responsibility for managing the legal entity customer (e.g., a Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, Managing Member, General Partner, President, Vice President, or Treasurer).

Under some circumstances we may ask for information regarding individuals who own 10 percent or more of the equity interests of the customer.

We may also ask to see a copy of a driver’s license or other identifying document for each beneficial owner identified.

We are required to confirm the accuracy of this information each time a new account is opened. Accounts include deposit accounts, transaction or asset accounts, and also includes loans, credit accounts, and other extensions of credit.

I. Introduction
Western Alliance Trust Company (“WATC”), uses cookies for site monitoring and analytics, to customize user experiences, and provide better service via our sites (collectively, the “Site”).  This Cookie Policy should be read together with our Privacy Policy and our Terms and Notices.

II. What is a Cookie
A cookie is a small, electronic text file that is downloaded on to devices (computer, smartphone, tablet, etc.) when you access a website.  Each time you re-access a website a cookie is sent back which allows the site to monitor your website activity. This tracking technology allows sites to recognize you, remember your preferences, and show relevant information which helps to maximize your user experience.

III. Types of Cookies
WATC has both first and third-party cookies on its Site. WATC uses first-party cookies, including session and persistent cookies, to track information of site visitors. A session cookie is a type of cookie that is placed on a user’s device and continues to exist there until they log out or leave the site. A persistent cookie is a type of cookie that will continue to exist on a user’s device for an extended period after they leave the site. Third-party cookies are used by hired vendors to analyze information on behalf of WATC for WATC’s own marketing purposes. The information that is shared with and analyzed by third-party vendors is contractually limited.

IV. Your Consent and Managing Cookies
By using WATC’s Site you consent to this Cookie Policy and the placement of cookies on your device. If you do not wish to have cookies placed on your device, please reject and opt out of cookies when prompted. You may also be able to reject cookies by adjusting your cookie preferences in your browser settings. However, blocking and rejecting cookies may limit the Site’s functionality and associated features.

V. Gathering, Using, and Sharing Information
WATC does not allow any third-parties to track information obtained from our Site. Additionally, WATC does not share or sell user information to anyone outside of or our organization. WATC only shares data with third-party vendors hired to help accomplish our marketing objectives.

Protecting your privacy is important to us. Accordingly, Western Alliance Trust Company, N.A. is providing its Privacy Policy to explain what and how we collect, share, use, and protect your personal information. If you are a California resident, you may have additional rights under the California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act of 2020 ("CPRA") as described in the Privacy Notice for California Residents, and the Privacy Notice for California Employees, Contractors, Dependents, Beneficiaries, Emergency Contacts, and Job Applicants, which supplements the information contained in the Privacy Policy.

PRIVACY POLICY: Revised 04/29/2024

FOR WESTERN ALLIANCE TRUST COMPANY, N.A. PRIVACY NOTICE CALIFORNIA RESIDENTS

Effective Date:  04/29/2024

Last Updated:  04/29/2024

This Privacy Notice for California Residents supplements the information contained in Western Alliance Trust Company N.A.’s Privacy Policy (https://pages.westernalliancetrust.com/corporate-trust-legal/) (“we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act of 2020 (“CPRA”) and any terms defined in the CCPA and CPRA that have the same meaning when used in this notice.

Information Collected

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”), and sensitive personal information, as defined in the CCPA.

Personal information does not include:

• publicly available information from government records;
• deidentified or aggregated consumer information;
• information excluded from the CCPA/CPRA’s scope, such as:
  • health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 ("HIPAA") and the California Confidentiality of Medical Information Act ("CMIA") or clinical trial data; and
  • personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act ("FCRA"), Gramm-Leach-Bliley Act ("GLBA"), California Financial Information Privacy Act ("CalFIPA"), and Driver's Privacy Protection Act of 1994.

Categories of Personal Information Collected

We may have collected the following categories of personal information from consumers within the last twelve (12) months:

Sources of Information Collected

We obtain the categories of personal information listed above from the following categories of sources:

• Directly from you or your agents. For example, from forms you complete or documents you provide us with related to the services for which we are engaged.
• Indirectly from you or your agents. For example, through information we collect from our clients in the course of providing services to them.
• Indirectly from our service providers and contractors. For example, web analytics data, such as type of browser software, during use of our digital services.

Purposes of Collecting Information

We may collect personal information for one or more of the following business or commercial purposes. They include:

• fulfillment of the reason(s) you provided the information, such as the:
  • provision of information, products, or services you request from us; and
  • processing of your requests, transactions, and payments;
• provision of support and responses to your inquiries, such as investigating and addressing your concerns and monitoring and improving our responses;
• prevention, detection, and investigation of security incidents that potentially compromise the availability, authenticity, integrity, or confidentiality of stored or transmitted data;
• resistance to malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions;
• the carrying out of our obligations and enforcement of our rights arising from any contracts entered into between you and us;
• support of our ongoing operations and to maintain all our services and products, including audits and analytics collection, processing, debugging, and research;
• responding to law enforcement requests and as required by applicable law, court order, or governmental regulations;
• evaluation or conducting of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred; and
• any other purpose described to you during collection of your personal information or as otherwise set forth in the CCPA/CPRA.

No Selling or Sharing of Personal Information to Third Parties

In the preceding twelve (12) months, we did not sell or share personal information to or with third parties.

No Selling or Sharing of Personal Information of Consumers Under the Age of Sixteen

We do not have actual knowledge that we sell or share information of consumers under the age of sixteen (16).

No Disclosures of Sensitive Personal Information to Third Parties

In the preceding twelve (12) months, we did not disclose sensitive personal information to third parties. We only disclose personal information and sensitive personal information for a business purpose within our own company and to service providers/contractors with whom we enter a contract.

Retention of Your Information

Our retention periods are based on timeframes necessary to:

• fulfill the completion of transaction(s) for which we collected the personal information;
• take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you;
• detect and mitigate security incidents, including malicious, deceptive, fraudulent, and illegal activity, or prosecute those responsible for such activities;
• debug products to identify and repair errors that impair existing intended functionality;
• engage in research in the public interest that adheres to applicable laws, if you provided informed consent;
• enable our operations and solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us;
• comply with a legal obligation or exercise a right provided for by law; and/or
• make other internal and lawful uses of the information that are compatible with the context in which you provided it.

Your Rights and Choices

Rights You May Exercise

The CCPA/CPRA provide consumers (California residents) with specific rights regarding their personal information. This section describes your rights as a consumer under California law and explains how to exercise those rights.

1. Right to Know – You have the right to know what personal information we have collected about you. This includes a request for any or all of:
   1. specific pieces of personal information we collected about you;
   2. categories of personal information we collected about you;
   3. categories of sources from which the personal information was collected;
   4. categories of personal information we disclosed or sold for a business purpose about you;
   5. categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
   6. the business or commercial purpose for collecting or selling personal information.
2. Right to Delete – You have the right to have your personal information that we have collected from you deleted, subject to certain exceptions.
3. Right to Correct – You have the right to have inaccurate personal information that we maintain about you corrected.
4. Right to Freedom from Discrimination – You have the right not to receive discriminatory treatment by us for the exercise of privacy rights described here and in the CCPA/CPRA, as conferred by those laws. This includes an employee’s, applicant’s, or independent contractor’s right not to be retaliated against for the exercise of their CCPA/CPRA rights.

How to Exercise Your Rights and What to Expect from the Process

Methods for Exercising Your Rights

To exercise any of the above rights, you or your legally authorized agent may communicate your inquiry or request with us by:

• calling us toll-free at 1-888-995-2265
• mailing a written request addressed to:
  Western Alliance Trust Company, N.A. CCPA/CPRA Privacy Inquiries – Client Service
  1 East Washington Street, Suite 1400, Phoenix, AZ 85004.

Verification of Your Identity

If you or your authorized agent submit a request to know, request to delete, and/or request to correct your personal information, we will need to first verify your identity in order to protect your confidentiality. You or your agent will be asked to provide via phone or in person three or more pieces of information we have in our records associated with your account. Once we verify this information, we will proceed with processing your inquiry or request.

Response Timing and Format

We will confirm receiving your request to know, correct, or delete within ten (10) business days of its receipt. We will endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. In the event we are unable to respond within 45 days, we may request this deadline be extended for an additional 45 days. We will inform you of the reason and extension period in writing.

The scope of personal information we are required to disclose is limited to the data collected over the 12-month period directly preceding the date we received a verifiable request. The response we provide will also explain the reasons we cannot comply with a request, where applicable. For data portability requests, we will select a format to provide your personal information to you that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

Fees

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.

Changes to Our Privacy Notice

We reserve the right to amend this notice at our discretion and at any time. When we make changes to this notice, we will post the updated notice on our website and update the notice’s effective date.

Contact Information

If you have any questions or comments about this notice, the ways in which we collect and use your personal 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:

Mail:

Western Alliance Trust Company, N.A.
CCPA/CPRA Privacy Inquiries – Client Service
1 E. Washington Street, Suite 1400
Phoenix, AZ 85004


Phone:

1-888-995-2265

 

 




WESTERN ALLIANCE TRUST COMPANY, N.A. PRIVACY NOTICE FOR CALIFORNIA EMPLOYEES, CONTRACTORS, DEPENDENTS, BENEFICIARIES, EMERGENCY CONTACTS, AND JOB APPLICANTS

 

Effective Date: 04/29/2024

Last Updated on: 04/29/2024

This Privacy Notice for California Employees, Contractors, Dependents, Beneficiaries, Emergency Contacts, and Job Applicants supplements the information contained in Western Alliance Trust Company N.A.’s Privacy Policy (https://pages.westernalliancetrust.com/corporate-trust-legal/) (“we,” “us,” or “our”) and applies solely to our current and former employees, independent contractors, dependents and beneficiaries of employees, emergency contacts for employees, and job applicants, who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act of 2020 (“CPRA”) any terms defined in the CCPA and CPRA that have the same meaning when used in this notice.

 

Information We Collect

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer (“personal information”), and sensitive personal information, as defined in the CCPA.

Personal and sensitive information does not include:

·       Publicly available information from government records.

·       Deidentified or aggregated consumer information.

·       Information excluded from the CCPA and CPRA's scope, including but not limited to:

o   Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 ("HIPAA") and the California Confidentiality of Medical Information Act ("CMIA") or clinical trial data;

o   Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act ("FCRA"), the Gramm-Leach-Bliley Act ("GLBA") or California Financial Information Privacy Act ("CalFIPA"), and the Driver's Privacy Protection Act of 1994.

 

Categories of Personal Information Collected

We may have collected the following categories of personal information from consumers within the last twelve (12) months:

Category	Examples
A.     Identifiers	A real name, alias, postal address, unique personal identifier, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.
B.   Categories of personal information listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))	A name, signature, Social Security number, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
C.    Protected classification characteristics under California or federal law	Age (40 years or older), race, color, ancestry, national origin, citizenship, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, or gender expression), pregnancy or childbirth (including related medical conditions), sexual orientation, or veteran or military status.
D.    Commercial information	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
E.     Biometric information	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data
F.    Internet or other similar network activity	Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.
G.    Geolocation data	Physical location or movements.
H.     Sensory data	Audio, electronic, visual, thermal, olfactory, or similar information.
I.     Professional or employment-related information	Current or past job history or performance evaluations
J.    Non-public education information under the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)	Education records directly related to a student maintained by an educational institution or party acting on their behalf, such as student class schedules, student identification codes, grades, transcripts, degrees, and certificates.
K.    Inferences drawn from other personal information	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
L.  Sensitive Personal Information	This may include your Social Security, driver’s license, state identification card, or passport number; your account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; your precise geolocation; your racial or ethnic origin, religious or philosophical beliefs, or union membership; your genetic data; your biometric information for the purpose of uniquely identifying you; your health information; and/or information related to your sex life or sexual orientation.

Sources of Information Collected

We obtain the categories of personal information and sensitive information listed above from the following sources:

 

·       Directly from you or your agents. For example, from job applications that candidates submit to us when applying for employment with us.

·       Indirectly from you or your agents. For example, through information we compile about you when maintaining a personnel file containing employment and job performance records.

·       From third parties that interact with us in connection with our operations, such as third parties that assist us in staffing, benefits administration, and other human resources functions.

 

Purposes of Collecting Personal Information

We may collect the personal information we collect for one or more of the following business or commercial purposes. They include:

·       fulfill or meet the reason for which the information is provided. For example, when you provide us with a Social Security number for the purposes of verifying employment eligibility, we will use that information to verify your eligibility for employment with us.

·       provide, support, and develop our human resources and personnel functions, including, but not limited to hiring, termination, conducting background checks, onboarding new employees, managing and maintaining employer-employee relations, managing our relations with independent contractors, determining and providing compensation and benefits, keeping time records, providing employee training and development, undertaking internal research, and other functions related to employment or potential employment with us.

·       create, maintain, and secure your personnel files with us, including emergency contact information.

·       respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

·       effectively process payroll.

·       manage employee performance of their job duties.

·       administer and maintain group health insurance benefits, 401(k) and retirement plans, and other benefits, as applicable.

·       provide you with email alerts, event registrations and other notices concerning us and your employment with us (as applicable).

·       provide you with information you request from us.

·       carry out our obligations and enforce our rights arising from any contracts entered into between you and us.

·       evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.

·       described to you when collecting your personal information or as otherwise set forth in the CCPA/CPRA.

 

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

 

No Selling or Sharing of Personal Information to Third Parties

In the preceding twelve (12) months, we did not sell or share personal information to or with third parties.

No Disclosures of Sensitive Personal Information to Third Parties

In the preceding twelve (12) months, we did not disclose sensitive personal information to third parties. We only disclose personal information and sensitive personal information for a business purpose within our own company and to service providers/contractors with whom we enter a contract.

Rights You May Exercise

The CCPA/CPRA provide consumers (California residents) with specific rights regarding their personal information. This section describes your rights as a consumer under California law and explains how to exercise those rights.

1. Right to Know – You have the right to know what personal information we have collected about you. This includes a request for any or all of:
   1. specific pieces of personal information we collected about you;
   2. categories of personal information we collected about you;
   3. categories of sources from which the personal information was collected;
   4. categories of personal information we disclosed or sold for a business purpose about you;
   5. categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
   6. the business or commercial purpose for collecting or selling personal information.
2. Right to Delete – You have the right to have your personal information that we have collected from you deleted, subject to certain exceptions.
3. Right to Correct – You have the right to have inaccurate personal information that we maintain about you corrected.
4. Right to Freedom from Discrimination – You have the right not to receive discriminatory treatment by us for the exercise of privacy rights described here and in the CCPA/CPRA, as conferred by those laws. This includes an employee’s, applicant’s, or independent contractor’s right not to be retaliated against for the exercise of their CCPA/CPRA rights.

 

Changes to Our Privacy Notice

We reserve the right to amend this notice at our discretion and at any time. When we make changes to this notice, we will post the updated notice on our website and update the notice’s effective date.

How to Exercise Your Rights and What to Expect from the Process

 

Methods for Exercising Your Rights

To exercise any of the above rights, you or your legally authorized agent may communicate your inquiry or request with us by:

• Emailing us at: privacy.compliance@westernalliancebank.com
• Calling us toll free at: 888-995-2265
• Mailing a written request addressed to: Western Alliance Trust Company, N.A., Corporate Compliance, 1 East Washington Street, Suite 1400, Phoenix, AZ 85004.

Verification of Your Identity

If you or your authorized agent submit a request to know, request to delete, and/or request to correct your personal information, we will need to first verify your identity in order to protect your confidentiality. You or your agent will be asked to verify multiple pieces of information which we have on-file, such as your name, address of residence, and date of birth. Once we verify this information, we will proceed with processing your inquiry or request.

Response Timing and Format

We will confirm receiving your request to know, correct, or delete within ten (10) business days of its receipt. We will endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. In the event we are unable to respond within 45 days, we may request this deadline be extended for an additional 45 days. We will inform you of the reason and extension period in writing.

The scope of personal information we are required to disclose is limited to the data collected over the 12-month period directly preceding the date we received a verifiable request. The response we provide will also explain the reasons we cannot comply with a request, where applicable. For data portability requests, we will select a format to provide your personal information to you that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

Fees

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.

Contact Information

If you have any questions or comments about this notice, the ways in which we collect and use your personal 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:

Email:
privacy.compliance@westernalliancebank.com

Mail:
Western Alliance Trust Company, N.A.
Corporate Compliance
1 E. Washington Street, Suite 1400
Phoenix, AZ 85004

Phone:
1-888-995-2265

Western Alliance Trust Company (“WATC”) endeavors to provide you with the highest quality on-line banking available. However, due to the unpredictable nature of the Internet, occasional inaccessibility to our web site should be expected. Bill payment through WATC’s Internet banking system is provided to you for your convenience. The actual payment of such bills is handled by an independent third party, and WATC cannot and will not guarantee or be held responsible for the completion and accuracy of such transactions.

WATC reminds you that the Internet lacks inherent security for commercial transactions and therefore WATC cannot and does not guarantee that downloads from this site will not contain a virus or other destructive device. Additionally, you provide, request and receive information from this site with the knowledge that such information can be intercepted and/or viewed by unknown third parties. Please contact us with any questions you may have at (908) 625-6052.

Features and services availability of WATC’s Internet banking system are subject to change without notice.

All information contained herein is believed by WATC to be accurate and reliable. WATC is not responsible for any errors or omissions because of the possibility of human and mechanical error as well as other factors.

All information is provided “as is” without warranty of any kind. WATC makes no representations and disclaims all express, implied, and statutory warranties of any kind to any user and/or third-party including warranties as to accuracy, timeliness, completeness, merchantability, or fitness for any particular purpose.

WATC shall under no circumstances be liable to any user and/or third party for any indirect, consequential, incidental or punitive damages whatsoever, even if WATC has been advised of the possibility of such damages.

Some limitations may not apply to you.

WATC does not endorse or sanction any of the sites listed with regards to links to external web sites provided on this web site, nor is WATC associated with any of these sites in any way. Information, contents, or opinions expressed in these sites are the sole responsibility of their authors.

Statements concerning future performance, developments or events, concerning expectation for growth and market forecasts, and any other guidance on future periods, constitute forward-looking statements which are subject to a number of risks and uncertainties which might cause actual results to differ materially from stated expectations.

Disclosure
Product descriptions contained herein do not take the place of required disclosures on accounts under applicable federal and state regulations.

Please contact us for the disclosures appropriate to these accounts.

Copyright
The information and design contained herein are owned by WATC.

Except for a single temporary copy in a single computer’s memory and a single permanent copy to be used by user, the information contained herein may not otherwise be used (not copied, performed, distributed, rented, sublicensed, altered, stored for subsequent use, etc. in whole or in part, in any manner) without WAB’s express prior written consent, unless such use constitutes fair use under the Copyright Act.

Trademarks
WATC logos or product names identifying WATC are registered trademarks of WATC.

Featured logos including but not limited to Apple iTunes, Microsoft, Netscape, America Online or other mentioned businesses are trademarks of their respective owners.

Electronic Mail
Messages sent by electronic mail (e-mail) may not be secure, may be intercepted by third parties, and may not be immediately received by the appropriate department at WATC. Please do not use e-mail to send communications to WATC which contain confidential information, which WATC requires in writing, or which need WATC’s immediate attention. Please contact us with any questions you may have at (908) 625-6052. Be aware that a “receipt” acknowledgment on an e-mail message means only that the message has been routed into the Internet, not that the message has been received by WATC.

Links to Other Sites
Links to non-Western Alliance Bancorporation and its subsidiaries and its affiliates (“WAB”) websites are provided solely as pointers to information on topics that may be useful to a user and/or third party, and WAB has no control over the content on such non-WAB websites. If you choose to link to a website not controlled by WAB, WAB makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does WAB warrant that such site or content is free from any claims of copyright, trademark or other infringement of rights of third parties or that such site or content is devoid of viruses or other contamination. WAB does not guarantee the authenticity of documents on the Internet. Links to non-WAB websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.