PRIVACY OF CONSUMER FINANCIAL INFORMATION
POLICY OF STATE BANK FINANCIAL
Your Right to Financial Privacy

Recognition of a Customer's Expectation of Privacy

At State Bank Financial, trust is the foundation of our relationship with each customer. We treat every aspect of that relationship with great care, beginning with the information you have chosen to share with us. We believe your privacy should not be compromised. At the same time, we want to offer you the full array of financial products and services you need to reach your goals. We believe we can do both through the privacy policy outlined in this notice. Each year you will receive a notice that explains our policy and your right to opt out of certain types of information sharing.

At State Bank Financial, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, safekeeping of customer information is a priority for State Bank Financial.

Benefits of Sharing Information

From time to time we may share your nonpublic, personal information with our service providers, affiliates, and nonaffiliated third parties in order to provide you with the best products and services possible. By occasionally sharing nonpublic, personal information we are able to ensure you receive appropriate recommendations and the best pricing on our products and services. It also allows us to better identify and educate you on any additional products or services that may be of benefit to you.

Categories of Information We Collect

Information about consumers and customers is accumulated from a variety of sources. We collect nonpublic, personal information about you from the following sources:

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

Categories of Information We Disclose

We may disclose the following nonpublic, personal information about you and former customers:

• Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets, and income
• Information about your transactions with us, our affiliates, or others, such as your account balances, account activity, payment and deposit history, parties to transactions, and credit card usage

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Service Provider/Joint Marketing Exception

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Examples of this would be firms that provide you with your checks and securities broker-dealers.

Confidentiality and Security

State Bank Financial utilizes the most current encryption technology to ensure the security of our website. However, for your protection we ask you not to include sensitive information, including account numbers, social security numbers, passwords, etc., in your emails to us. To discuss this type of sensitive information, please call or stop by one of our locations. We restrict access to nonpublic, personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic, personal information. We continually strive to maintain complete and accurate information about you and your accounts. Please notify us if you ever think our records contain inaccurate or incomplete information about you. We will investigate your concerns and correct any inaccuracies.

Your Right to "Opt-Out"

If you prefer that we not disclose nonpublic, personal information about you to nonaffiliated third parties in the future, you may opt out of those disclosures. That is, you may direct us not to make those disclosures (other than disclosures permitted by law). We are permitted to disclose information about our actual experiences and transactions with you to our affiliates. However, if you prefer that we not disclose any other type of information with our affiliates, you may opt out of those types of disclosures. On joint account relationships, each joint consumer has the right to opt out separately. To tell us about your decision to opt-out, you may write us at State Bank Financial, PO Box 159, La Crosse, WI 54602-0159, call us at 608-784-4600 (Toll Free: 800-880-7151) or visit any of our branches.