Privacy Policy

Revised 05/02/2011

Facts

What does Santa Barbara Bank and Trust, N.A. 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
Income and payment history
Transaction history and credit history

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 Santa Barbara Bank and Trust, N.A. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Santa Barbara Bank and Trust, N.A. 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	Yes	No
For our affiliates' everyday business purposes - information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes - information about your credit worthiness	We do not share	We do not share
For non-affiliates to market to you	We do not share	We do not share

Questions?

Please contact the branch near you or call 1.888.400.7228.

Who we are
Who is providing this notice?	Santa Barbara Bank and Trust, N.A. is a nationally chartered bank that operates under the brand name of Santa Barbara Bank & Trust.

What we do
How does Santa Barbara Bank and Trust, N.A., 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.
How does Santa Barbara Bank and Trust, N.A., collect my personal information?	We collect your personal information, for example, when you Open an account Apply for a loan Make a wire transfer Use your credit or debit card Make deposits to, or withdrawals from, your account 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 information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under California law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Our investment advisors, Morton Capital Management and R.E. Wacker Associates, Inc. are affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Santa Barbara Bank and Trust, N.A. and its divisions or brands do not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners, such as credit card companies.

Other Important Information
California state law provides additional privacy protections for California residents with regard to sharing information with other companies for marketing purposes. A separate Consumer Rights Notice will be provided to California residents regarding their privacy choices.