ALERTS/NOTIFICATIONS

If your checking account at State Bank Financial comes with Overdraft Privilege, we may authorize and pay ATM and everyday debit card transactions even though you do not have enough money in your account to cover the transaction. We offer this service as a convenience and to provide a safety net to our customers. Due to Federal Regulations, beginning on August 15, 2010*, the overdraft privilege currently made available to you for ATM or every day debit card transactions will only be available if you agree or "opt-in" to this protection.

Overdraft Privilege is a convenient service that provides you and your family with financial flexibility. It covers everyday purchases when you may have insufficient funds in your account.

Examples of everyday debit card purchases are:

• Grocery Stores
• Restaurants
• Gas Stations
• Doctor Office
• Pharmacy
• Dry Cleaner
• Anytime you use your debit card for a one-time transaction

We want you to be fully informed and prepared to make a decision about Overdraft Privilege that is right for you. Please take the time to consider the ways you use your account and debit card and make the choice that is right for you and your family.

At the end of June please watch for additional information from us about your Overdraft Privilege program and how you can "opt-in" to keep your protection. This information will be available on our website (www.statebankfinancial.com), at our branches, and in correspondence you receive from us.

Please watch for this important information and contact us with any questions.

*The effective date of change is August 15, 2010 for accounts opened before July 1, 2010. For accounts opened after July 1, 2010 the effective date of the change is July 1, 2010. Beginning August 15, 2010, we will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. An overdraft (OD) fee or insufficient funds (NSF) fee of $28.00 per item with a daily maximum of $280.00 per day, will be charged for covering overdrafts that result in a negative balance at the end of the day. Overdrafts may be created by check, ACH, online banking transactions or other electronic means. Recurring debit card transactions (payments that are set up to bill and pay automatically) such as automatic draft from your health club or insurance company may continue to be covered by your overdraft service. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.