Privacy Policy

The State Bank and Trust Company
Privacy Policy

The State Bank and Trust Company which is an affiliate of Rurban Financial Corp., and as such our Privacy Policy is that of Rurban Financial Corp.

Rurban Financial Corp. and Affiliates
Privacy Policy

Rurban Financial Corp.'s Privacy Notice and Policy explains how we use and share information about you as we provide financial products and services. Please read these policies carefully before using this site. If you do not agree to ALL of the provisions and terms of the Rurban Financial Web Site Privacy Policy please do not access this site or any of its pages.

Because of the unique nature of Internet activities, we understand your concerns about sending confidential information by the use of your personal computer. As a result, we are committed to safeguarding your information.

No personal information is collected if you browse our web site. We do gather and analyze data regarding the use of our web site, including the date and time of individual visits, domain name, pages visited, length of user session, etc., to determine the usefulness of our site.

Internet "cookies" are messages that a web server gives to your web browser in connection with your visit to a web site. 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.

Web server log files list all requests for individual files made by web site visitors. These files include data of the site from which you link to our site, the service provider used, and information on where you are connecting from. Any information gathered through the use of our web server log files is viewed by us in the aggregate for overall patterns and does not identify or describe any individual user. We do not combine information collected through cookies or web server log files with any other personal information to determine any information about you.

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. Consumers whose applications are approved and who become our customers are also protected by our Rurban Financial Corp. Privacy Notice and Policy.

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.

Privacy Notice and Policy

At Rurban Financial Corp., the basis of each customer relationship is trust. We recognize as financial service professionals that we have an obligation to keep information about you secure and confidential. We believe that your privacy should not be compromised. Therefore, we make protecting your privacy and safeguarding your personal information a priority. We provide this notice to help you understand how we collect, use and protect "nonpublic personal information."

Information That We Collect

Nonpublic personal information about you is obtained in connection with providing a financial product or service. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms (e.g., name, address, social security number, assets, income)

• Information about your transactions with us

• Information about your transactions with our affiliates or others

• Information from a consumer reporting agency

• Information from other outside sources with reference to their employment, credit or other relationships with you, or verifying representations made by you, such as credit cards or loan balances or your property insurance coverage

• Other general information collected about you that is not used for the purpose of determining your eligibility for products or services you may request, such as demographic information

Information Security

We strive to restrict access to your nonpublic personal information to those employees who need to know that information to provide products or services to you. We maintain procedural, electronic, and physical protections that comply with federal standards to guard your nonpublic personal information. Our family of companies use state-of-the-art technologies to protect your information.

Disclosure of Information to Unaffiliated Third Parties

Rurban Financial Corp. and its financial institution subsidiaries do not reveal specific information about your accounts or other personally identifiable data to parties outside our family of companies for their independent use, except under the following circumstances:

• At your request or with your specific permission

• The information is provided to help complete a transaction initiated by you

• Providing information to reportable consumer reporting agencies, payment processing agencies, or insurance agencies in the normal course of business

• Providing information to joint marketing or service providers that assist us in maintaining your loan or deposit accounts (e.g. name, address, social security number, account balances, types of accounts, telephone number, date of birth).

• Providing information in other business relationships such as check printers, credit card providers and data processing companies

• Providing information to comply with federal, state, or local laws, rules and other applicable legal and regulatory requirements.

In order to provide information about additional products and services that we offer to you we may disclose your nonpublic personal information to third parties that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

These third parties must agree to protect the confidentiality of your information. Since we restrict the sharing of your nonpublic personal information, no further action is required by you to limit such sharing.

Information Disclosure to Affiliates

We do not disclose any nonpublic information about you to our affiliates, except as permitted by law.

Former Customers

If you discontinue your account relationship with us or become an inactive customer we will continue to comply with the policies described in this notice.

Should you have further questions, please contact your account representative.