Sterling National Bank - Sterling Bancorp

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Business Banking Personal Banking Online Services

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

FACTS
WHAT DOES STERLING NATIONAL BANK

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 income

account balances and payment history

credit history and transaction history

When you are no longer our customer, we continue to share your information as described in this notice

How? All financial companies need to 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 Sterling National Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Sterling National Bank 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
No
We don't share

For our affiliates' everyday business purposes-

information about your creditworthiness
No We don't share

For our affiliates to market to you No We don't share

For non-affiliates to market to you No We don't share

Questions? Call 212-757-3300 or go to www.snb.com

Who we are

Who is providing this notice?	Sterling National Bank

What we do
How does Sterling National Bank 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 hold our employees to strict standards of conduct to ensure confidentiality of customer information and require companies that work for us to protect your information
How does Sterling National Bank collect my personal information?	We collect your personal information, for example, when you open an account or use your credit or debit card pay your bills or apply for a loan make deposits 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 your 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Sterling National Bank does not share with its affiliates
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Sterling National Bank does not share with non-affiliates, so that they can market to you
Joint marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you Sterling National Bank has no joint marketing agreements

Rev. 8/2012