Privacy Policy
At State Bank of Southwest Missouri, our mission is to meet the needs of our customers. As financial service professionals, entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy Policy serves as a standard for all State Bank of Southwest Missouri employees for collection, use, retention, and security of individual customer information.

Categories Of Information We Collect
• Information we receive from you on applications or other forms.
• Information about your transaction with us, our affiliates or others.
• Information we receive from a consumer-reporting agency.

Categories Of Information We Disclose
We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We do not disclose any nonpublic information about our customers or former customers to anyone, except our affiliates State Bancshares, Inc., State Financial, Inc., as permitted by law. For example, it is our policy not to reveal specific information about customers accounts or other personally identifiable data to unaffiliated third parties for their independent use.

Exceptions To Notice Requirements
For Processing And Servicing Transactions
A. Exceptions for processing transactions at customer's request. The requirements for initial notice do not apply when we disclose nonpublic personal information as necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes in connection with:

1. Servicing or processing a financial product or service that a consumer requests or authorizes;
2. Maintaining or servicing the consumer's account with us or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity; or
3. A proposed or actual securitization, a secondary market sale (including sales of service rights), or similar transaction related to the transaction of the consumer.

B. The requirement for initial notice do not apply when you disclose nonpublic personal information to service providers.

1. With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction;
2. (i) To protect the confidentiality or security of your record pertaining to the consumer, service, product or transaction;
   (ii) To protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability;
   (iii) For required institutional risk control or for resolving consumer disputes or inquiries;
   (iv) To persons holding a legal or beneficial interest relating to the consumer; or
   (v) To persons acting in a fiduciary or representative capacity on behalf of the consumer;
3. To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating you, persons that are accessing your compliance with industry standards, and the bank's attorneys, accountants, and auditors;
4. To the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978, to law enforcement agencies (including a federal functional regulator, the Secretary of the Treasury, with respect to 31 U.S.C. Chapter 53, Subchapter II (Records and Reports on Monetary Instruments and Transactions) and 12 U.S.C. Chapter 21 (Financial Recordkeeping), a State insurance authority, with respect to any person domiciled in that insurance authority's state that is engaged in providing insurance, and the Federal Trade Commission), self-regulatory organizations, or for an investigation on a matter related to public safety;
5. (i) To a consumer reporting agency in accordance with the Fair Credit Reporting Act, or
   (ii) From a consumer report reported by a consumer reporting agency;
6. In connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of a nonpublic personal information concerns solely consumers of such business or unit; or
7. (i) To comply with federal, state, or local laws, rules or other applicable legal requirements;
   (ii) To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by federal, state, or local authorities; or
   (iii) To respond to a judicial process or government regulatory authorities having jurisdiction over the bank for examination, compliance, or other purposes as authorized by law.

Confidentiality And Security
State Bank of Southwest Missouri is committed to the security of your financial and personal information. All our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

At State Bank of Southwest Missouri, employees are educated on the importance of maintaining the confidentiality of customer information and on these privacy principles. Because of the importance of these issues, all bank employees are responsible for maintaining the confidentiality of customer information.

This policy is not designed to act as a substitute for sound risk analysis or judgment; the primary objective of the policy is to serve as a reference and guide bank management and staff involved in administering the bank's products and services affected by consumer information.

Copyright
This website is ©2003 State Bank of Southwest Missouri, Inc.