Rev. June 2010
FACTS WHAT DOES HEALTHCARE BANK, A DIVISION OF STATE BANK & TRUST DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and account balances
  • payment history and transaction history
  • account transactions and checking account information
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Healthcare Bank, a division of State Bank & Trust chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does Healthcare Bank a division of State Bank & Trust share? Can you limit this sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus 		YES NO
For our marketing purposes –
to offer our products and services to you 		YES NO
For joint marketing with other financial companies NO We don’t share
For our affiliates' everyday business purposes –
information about your transactions and experiences 		YES NO
For our affiliates' everyday business purposes –
information about your creditworthiness 		NO We don’t share
For nonaffiliates to market to you NO We don’t share
Questions? Call toll free 1-800-442-2472 option 1 or go to www.healthcarebank.com


Who we are
Who is providing this notice? Healthcare Bank, a division of State Bank & Trust
What we do
How does Healthcare Bank, a division of State Bank & Trust protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Healthcare Bank, a division of State Bank & Trust collect my personal information? We collect your personal information, for example, when you
  • open an account or apply for a loan
  • make deposits or withdrawals from your account
  • use your credit or debit card
  • seek advice about your investments
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates' everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affilates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include nonfinancial companies, such as Light-house1, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Healthcare Bank, a division of State Bank & Trust does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Healthcare Bank, a division of State Bank & Trust doesn't jointly market.