Privacy Disclosure

It is the policy of Stifel Bank & Trust to assure that the information it has about its customers is accurate. It is also the policy of the Bank that information it has about its customers is highly confidential and should only be available to persons who have a need for the information to properly service a customer's account, act upon a customer's request or to fulfill that person's job responsibility.

Our Privacy Commitment to You

We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as personal information of all consumers who visit our institution and website.

Confidentiality and Security of Your Nonpublic Personal Information

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.

Sources of Information We Collect

So that we can make informed decisions about extending services to our customers we collect nonpublic personal information about you from several sources:

• Information we receive from you on applications or other forms you complete for us, such as name, address, social security number, telephone number.
• Information about your transactions with us, our affiliates, or others, such as account balances, payment history and account activity.
• Information we receive from a consumer reporting agency, such as your payment history and creditworthiness.

Information We May Disclose

We may disclose 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. We may disclose nonpublic personal information to the following types of third parties and to nonaffiliated third parties as permitted by law:

• Financial service providers, such as our credit card provider

We understand that you expect the personal information you have entrusted to us to be handled with great care. We do not disclose any nonpublic personal information about our customers, former customers, or any consumers information that we collect to anyone, except as permitted by law.

Your Right to Opt Out of Information Sharing

Under the Fair Credit Reporting Act, we are permitted by law to share information regarding our transactions or experiences with you to our affiliates (companies related to us by common ownership or control now or in the future) either directly or indirectly.

• Stifel Mortgage Company, L.L.C.

Unless you instruct otherwise, we also have the right to share any other information about you with our affiliates. This other information may include, but is not limited to, application information, credit reports from a consumer reporting agency and other information we have about you except for medical information.

If you do not want us to disclose nonpublic personal information about you to our "affiliates" you may opt out of those disclosures. That means you may direct us not to make disclosures other than those permitted by law. If you wish to opt out of disclosures to affiliated third parties, you may direct us not to share this information by notifying us by mail at the address listed below.

Financial Products or Services to which Your Opt Out Applies

If you elect to opt out of information sharing we will treat that opt out as applying to all financial products or services that you have obtained from us in the past or that you may obtain from us in the future.

If you have any questions regarding this notice please contact us at 314-984-8300.

Stifel Bank & Trust
Attention: Opt Out
9895 Watson Rd.
St. Louis, MO 63126