State Bank collects 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

State Bank does not disclose any nonpublic information about our customer or former customers to anyone, except as permitted by law.

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

State Bank restricts access to your personal and account information to those employees who need to know that information to provide products or services to you.  State Bank maintains physical, electronic and procedural safeguards that comply with Federal standards to guard your nonpublic personal information.

State Bank is committed to ensuring the privacy and confidentiality of the information you provide.  If you have any questions or concerns regarding State Bank’s privacy policies, please contact any of our locations listed on our homepage.

January - 2007

About Children's Online Privacy

The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used.

The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13.

State Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, visit the Federal Trade Commission's website at www.ftc.gov/privacy/privacyinitiatives/childrens.

For further information, the Federal Government has created a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.