Grand Valley Bank

Rev. 06/2016

FACTS	WHAT DOES Grand Valley 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 Scores and Overdraft 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 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 Grand Valley Bank chooses to share; and whether you can limit this sharing.

FACTS

WHAT DOES Grand Valley 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 Scores and Overdraft 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 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 Grand Valley Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Grand Valley 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 nonaffiliates to market to you	No	We don't share

Questions?	Call 970.241.4400

Who we are:
Who is providing this notice?	Grand Valley Bank. Our toll-free number is 1-877-859-6040

What We do:
How does Grand Valley 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.
How does Grand Valley Bank collect my personal information?	We collect your personal information, for example, when you Open an account or apply for a loan Pay your bills or make deposits or withdrawls Show your government issued ID; show your driver's license State laws and individual companies may give you additional rights to limit sharing.
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.

What We do:

How does Grand Valley 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.

How does Grand Valley Bank collect my personal information?

We collect your personal information, for example, when you

Open an account or apply for a loan
Pay your bills or make deposits or withdrawls
Show your government issued ID; show your driver's license

State laws and individual companies may give you additional rights to limit sharing.

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:
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Grand Valley Bank has no affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Grand Valley Bank does not share with non-affiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Grand Valley Bank's joint marketing partners include companies such as financial services companies.

Definitions:

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Grand Valley Bank has no affiliates

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Grand Valley Bank does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Grand Valley Bank's joint marketing partners include companies such as financial services companies.