State Bank Online Banking Privacy Policy

At State Bank, we are committed to providing unique, beneficial products and services, such as online banking/bill payer, to our customers. At the same time, we realize guarding and protecting customer privacy and providing the most technologically advanced security is essential in doing business. For this reason, we have established an Online Banking Privacy Policy, so that our customers are aware of the privacy and security measures being taken to ensure protection and peace of mind.

Your Right to Privacy

At State Bank, we respect and recognize your right to privacy concerning personal financial information. Whether banking online or at any of our convenient locations, you can rest assured that we are providing the same levels of privacy and security that you have come to expect from State Bank.

Collecting and Managing Your Personal Information

As you may know, State Bank is constantly seeking new, innovative ways to better serve you, our customers. Online banking and bill payer services are more recent examples of this. In order to identify new products and services for our customers, we may analyze information that you have provided us, including:

• Information we receive from you on applications or other forms
• Information about your transactions with us or others
• Information we receive from a consumer-reporting agency

We may also use information gathered from outside sources. In addition, customer information may also be used for the specific purpose of administering and protecting your personal accounts and transactions, complying with state and federal banking regulations, and providing high-quality service to our customers. You may rest assured that any information you provide us is not sold or transferred to third parties.

Maintaining Accurate Information

State Bank strives to maintain current and accurate information about customer accounts. If for any reason you believe information about yourself or your account to be inaccurate, please contact us immediately. You may even update your personal information by submitting a secure e-mail request to us. Once received, we will research your request, and correct any information that is inaccurate.

Limiting Employee Access to Your Information

When you bank online at www.gostatebank.com, the same stringent measures of security and confidentiality regarding your financial information are exercised. That means employee access to your personal information is limited to those with a business reason for knowing such information. State Bank further reflects its commitment to guarding your privacy by continuously educating its employees on the importance of customer confidentiality and privacy issues. Restricting Information to Third Parties As stated above, State Bank does not sell or transfer your personal and financial information to third parties unless:

• You request or authorize us to do so
• The information is necessary to process a transaction
• The disclosure is required or allowed by law (examples: subpoena, fraud investigations, etc.)
• It is for marketing purposes and the customer has been previously informed and had an opportunity to decline

We follow strict privacy procedures where this information is concerned, and require third parties with a business need for accessing this information to comply with our internal privacy policies.

Communicating Privacy Information to Customers

State Bank is committed to making good things happen for its customers, which means respecting and protecting their right to privacy. If you need any additional information on the measures we take to protect your confidential information, please call or e-mail your nearest State Bank location. We hope you enjoy the convenience of banking online!

Chillicothe State Bank
Ph: 660-646-5120 e-mail: ebank@gostatebank.com (Note: Electronic mail is not secured.)

State Bank of Missouri
Ph: 660-463-2194 E-mail: concordiainfo@gostatebank.com (Note: Electronic mail is not secured.)

The State Bank
Ph: 816-776-7070 e-mail: ebankri@gostatebank.com (Note: Electronic mail is not secured.)