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Privacy

Grants State Bank Privacy Policy

Protecting your privacy is important to Grants State Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Grants State Bank employees for the collection, use, retention, and security of nonpublic personal information.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. Nonpublic information includes, but is not limited to, items of information regarding your account balance, payment history, and overdraft history.

What Information We Collect

We may collect "nonpublic personal information" about you from the following sources:

• Information we receive from you on applications or other loan and account forms;

• Information about your transations with us or others; and

• Information we receive from third parties such as consumer credit agencies.

What Information We Disclose

We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. We are permitted under law to disclose nonpublic personal information about you to nonaffiliated third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing, processing, or administering your loan or account with us to comply with properly authorized subpoenas, and to consumer reporting agencies.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures

We take steps to safeguard customer information. We restrict access to your nonpublic personal information 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 protect your nonpublic personal information.