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State Bank & Trust Company is aware of the fact that our customers want and expect us to place the highest priority on the privacy and confidentiality of their financial dealings with our bank. At State Bank & Trust Company we know that confidentiality is an important part of the reason our customers do business with our bank. Because of our commitment to providing the highest levels of security and privacy of our customers' personal financial information, State Bank & Trust Company has adopted the following privacy policy in order to continue in our total commitment to provide quality service to our customers.
- Protection of Information.
State Bank & Trust Company recognizes its customers' needs and expectations of privacy and confidentiality when dealing with their personal financial information. We maintain standards and have policies in place designed to protect their privacy and to restrict unauthorized access to customer information. State Bank & Trust Company maintains security standards and procedures to prevent unauthorized access to confidential customer information. We update and test our technology to improve the protection of our customer information and to assure the integrity of our information.
- Collection Use and Retention.
State Bank & Trust Company and its affiliates will collect, use, and retain information about customers that is necessary to allow us to provide superior service and products tailored to customer needs, and to offer opportunities that we think will be of interest to and benefit our customers. We collect non-public personal information about our customers from the following sources:
- Information we receive from customers on applications or other forms;
- Information about transactions with us, our affiliates, or others; and
- Information we receive from consumer reporting agencies.
We will tell our customers why we are collecting and retaining this information at their request.
- Maintenance of Accurate Information.
State Bank & Trust Company has procedures in place to assure that customers' financial information is accurate, current and complete. We have procedures in place to respond to customer requests to correct inaccurate information in a timely manner. We will comply with all federal and state laws and regulations regarding accurate information. Customers are encouraged to notify us immediately if they receive information regarding their business with the bank that they believe to be inaccurate.
- Limitation of Employee Access.
State Bank & Trust Company will insure that any employee that has access to customers' information has a business reason for that access. State Bank & Trust Company discusses with all employees the importance of maintaining confidentiality of any and all customer records. The confidentiality of customer information is stressed in the bank's Employee Handbook that is signed by all employees, and employees are notified that should this policy be violated, that appropriate disciplinary measures will be taken.
- Restrictions on Disclosure of Account Information.
State Bank & Trust Company does not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.
- Privacy in Business Relationships for Ancillary Products and Services Maintained.
State Bank & Trust Company is very selective in choosing third parties that assist us in the delivery of products and services to our customers. There will be occasions when we partner with third parties that are unaffiliated with us in order to offer ancillary products and services that may be of benefit to our customers. Such arrangements may require sharing of customer information collected as described in Section 2 above to companies that perform marketing services on our behalf or to other financial institutions (which includes insurance agencies) with whom we have joint marketing agreements. When we enter into such a partnership we will require these third parties to adhere to similar privacy principles.
- Former Customers.
Confidential information of persons who are known to no longer be customers of State Bank & Trust Company, will be handled on the same basis as if such person were still a customer.
- Availability.
State Bank & Trust Company wants our customers to understand our commitment to privacy issues. This privacy policy will be made available at all banking locations for distribution to our customers upon their request, and will be provided at the time of establishment of the customer relationship, and annually thereafter.
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Equal Housing Lender.