Collecting and Using Customer Information
     In order to conduct normal bank transactions, certain information provided by you is collected and retained.  In addition, we collect and retain statistical information available from public records and lifestyle and other demographic and survey information.  We use it to protect and administer your records, accounts and funds and to comply with certain laws and regulations.  This information is helpful in designing new products or to improve our current procedures.  The information can also be used to help to understand the financial needs of our customers so that we may continue to provide high quality products and services.

Maintaining Accurate Information
     We are committed to maintaining accurate financial records of all customers.  The Fair Credit Reporting Act places specific obligations on financial institutions to ensure that customer information is current and complete.  If you believe that there has been an error in reporting you should contact us at 683-2393 or 1-800-683-2978 or by email at themoose@statebank-dillon.com. We will investigate and correct any inaccuracies as quickly as possible.

Limited Access to Information
     Access to your financial information is limited to employees with a legitimate need to know the information.  Our employees are educated on a regular basis on the importance of confidentiality and customer privacy.

Disclosure of Information to Unaffiliated Third Parties
     We will not disclose information about your finances to an unaffiliated third party unless:  (1) you request or authorize it; (2) the information is provided to help complete a transaction initiated by you; (3) we are required to do so by law; or (4) the information is provided to a reputable credit bureau or similar information reporting agency.
     We may share personal information with business vendors and service companies only if that information is needed to provide a product or service that you requested.  As an example, in order to receive your Visa Check Card(s) we provide only the necessary information to the appropriate vendor or service company so that this service may be provided.  Our business vendors and service providers are required to the protection and privacy efforts concerning customer information as directed by State Bank & Trust Company and they must abide by applicable law.
     We may also sell business assets, such as loans or servicing rights.  In these cases, we may transfer related customer information to the purchaser.

Internet Privacy
     As a visitor to our Web site, you need not be concerned about privacy of your personal information.  Our site does not require you to disclose any personally identifying information.  If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail.  When you communicate with us, we will use your e-mail information only for the specific purpose of responding to your comments or questions.  Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to so by law.

Online Banking Security
     State Bank & Trust Company is committed to keeping your information private and secure.  However, you can play an important role in helping us maintain this security by following these simple guidelines:
     1.     Never give your PIN Number to anyone.  The Bank's staff will never ask for your PIN       Number .
     2.     Do not store your PIN Number or other sensitive data on your computer.
     3.     Log out of "INTERNET BANKING" when you are finished using it.  State Bank will log you off automatically after ten minutes of inactivity.
     If you feel your PIN Number has been compromised, let us know immediately by calling 1-800-683-2978 or 406-683-2393.  Do not send us this information via e-mail.
     State Bank & Trust Company uses multiple levels of security for online banking, starting with the use of a unique user ID and password assigned to each customer.  Once connected to our Internet Banking services, your browser uses a 128-bit encryption (the highest level available) to make information entered unreadable during communication with our computers.  The systems at our end are protected by state of the art firewalls and other security measures which act as a virtual information vault for all information and transactions you enter.