Sterling Savings Bank

Rev. 08/10

Facts
Reasons we can share your personal information
Who we are
What we do
Definitions
Other important information

FACTS	What does Sterling Savings 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 credit scores 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 Sterling Savings Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Sterling Savings 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	Yes	No
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 toll-free 1-800-772-7791

Who we are
Who is providing this notice?	Sterling Savings Bank and its affiliates including intervest Mortgage Investment Company. Sterling Savings Bank is doing business in the State of California as Sonoma Bank.

What we do
How does Sterling Savings 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 restrict access to customer information to employees requiring that information to provide products or services to you. We educate our employees about the importance of confidentiality and customer privacy.
How does Sterling Savings Bank collect my personal information?	We collect your personal information, for example, when you - open an account or deposit money - pay your bills or apply for a loan - use your credit or debit card 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. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. •Sterling Savings Bank does not share with our affiliates
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. •Sterling Savings Bank does not share with non-affiliates 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 include issuer of Sterling’s credit card and credit life insurance provider.

Other important information

For Sterling Savings Bank and Sterling Savings Banc Financial Services, insurance product customers in Montana: We will safeguard your Customer Information in accordance with the most protective applicable law, whether state or federal.

For California residents only: California law places additional limits on sharing information about California residents. In accordance with California law, we will not share information we collect about California residents with outside companies, except as permitted by law, such as with the consent of the customer or to service the customer's accounts.

For Sterling Savings Bank and Sterling Savings Banc Financial Services (a division of Sterling Savings Bank) insurance product customers: Pursuant to certain state privacy laws, you may have the right to learn the substance of customer information collected about you and to learn whether the customer information has been disclosed to our affiliates and nonaffiliated third parties within the last two years. If you would like this information, please send your request in writing to: Sterling Savings Banc Financial Services, 111 N. Wall St., Spokane, WA 99201