State Bank and Trust Privacy Policy

The following is our privacy policy regarding your visits to and use of the State Bank and Trust web site, located at www.statebank.net. By accessing any page of this site, you agree to be bound by the terms and conditions below. If you do not agree to all of the terms and conditions below, please do not access this site or any of its pages. This policy does not apply to any linked site and we are not responsible for the privacy practices of any linked site. This policy was most recently updated on July12,2001 and supersedes and replaces our previous Web Site Privacy Policy.

We understand your concerns about sending confidential information by the use of your personal computer and are committed to safeguarding your information. We collect and protect your information as follows:

1. Collection of Information During Your Visit to the Site. No personal information is collected if you browse our web site. We do not collect any information from use of any of the planning tools available on our site, such as the mortgage principal and interest calculator. We do gather and analyze data regarding the use of our web site, including domain name, pages visited, length of user session, etc., to determine the usefulness of our site, to help us stay abreast of technical upgrades that can make our site more accessible to visitors, and to record the date and time of individual visits to our site.

2. Cookies. Internet "cookies" are messages that a web server gives to your web browser in connection with your visit to a web site. The message contains information, in the form of lines of text that is then stored on your hard drive. As you visit certain pages of a web site, the site transmits a cookie to your browser; when you return to the page or site that transmitted the cookie, the information is transmitted back to the web site's server. Cookies are stored on your hard drive and are not stored, in any form, by the web server. Cookies cannot transmit computer viruses. You can set up your web browser to inform you when cookies are being sent and/or to prevent cookies from being sent.

We do not use cookies to store confidential or sensitive information on your computer, or to capture your email address, obtain data from your hard drive, or gain confidential or sensitive information about you. Cookies may be used to save screen preferences, the pages of our web site viewed by the visitor, and the advertisements viewed or clicked by the visitor. When the visitor revisits our web site, cookies can be used to recognize the visitor and customize the visitor's experience accordingly.

3. Web Server Log Files. Web server log files list all requests for individual files made by web site visitors. These files include the HTML files and their imbedded graphic images and any other associated files that are transmitted to web site visitors. These files can be analyzed and summarized by another program.

Through the use of web server log files, any or all of the following information may be collected during your visits to our site:

The name of the domain from which you access the Internet (for example, "AOL.com" if you are connecting from an America Online account).
The date and time you access our web site.
The pages that you visit on our site and the sequence in which you visit them.
The amount of time that you spend on any given page of our site.
The Internet address of the web site that you visited immediately before visiting our web site.
The Internet address of the web site from which you linked directly to our site, if any.
The Internet address of the site that you visit immediately after leaving our site.
The type of operating system (e.g., Macintosh®, Windows®) on your computer.
The type of browser (e.g., Netscape Navigator®, Internet Explorer®) that you are using to view the site.
Any information gathered through the use of web server log files is viewed by us in the aggregate for overall patterns and does not describe or identify any individual user. We do not combine information collected through cookies or web server log files with other personal information to derive any information about you.

4. Search Engine. When a visitor performs a search on our search engine, we do not record any information identifying the visitor or linking the visitor to the search performed.

5. Electronic Mail and Customer Service Web Forms. Transmission of email sent to us through our site using our customer service web forms is secure; email otherwise sent by the Internet may not be secure.

6. Online Applications. If you submit an application for a product or service to us through our site, we collect and retain the content of the application that we receive, the email address from which it is sent, and our response.

7. Children. We do not knowingly collect personal information from children under the age of 13 through our site. If we become aware that personal information has been submitted through our site by a child under the age of 13, we delete the information from our system.

8. Use of Information. Any information that we collect through visitors' use of our web site will be used for editorial and feedback purposes, for marketing and promotional purposes, for a statistical analysis of visitors' behavior, for product development, for content improvement, to inform advertisers as to how many visitors have seen or clicked on their advertisements, and to customize content and layout of our site. Data on visitors' home servers is aggregated for internal review and then discarded. Any information that you actively supply to us, such as names, postal and email addresses, and phone numbers may be added to our databases and used by us to contact you regarding site updates, and new products and services.

9. Amendments. We reserve the right to change or update this privacy policy, or any other State Bank and Trust policy or practice, at any time with reasonable notice to users of our web site. Any changes or updates will be effective immediately upon posting to the site unless an effective date is provided.

10. Questions. Questions regarding our web site privacy policy can be sent to us by using this customer service form, or you can telephone us during 8:00 a.m. to 5:00 p.m., Monday through Friday, and 8:00 a.m. to 12:00 p.m., Saturday (Central Time) at (205)-487-4265.