Privacy Policy

At Grant County Bank your personal privacy is paramount and will not be compromised. Whether you are considering a banking relationship with us or already have established one, we recognize you have concerns about the collection, retention and use of your personal information.

The Types Of Information We Collect:

We routinely collect and retain the information we obtain from your account applications, transaction history (for deposits, loans, credit cards, etc.) and from consumer reports. This information helps us:

To establish and administer your accounts. (Example: We ask for personally identifying information to protect your accounts from fraud.)

To adhere to certain regulatory requirements. (Example: When you open an account that pays interest, we are required by the Internal Revenue Service to obtain your Social Security Number.)

To better understand you so that we may provide you with additional or improved products and services. (Example: We require information concerning your credit history and your assets to determine if you qualify for loan approval.)

We do not share our current or previous customers' nonpublic personal information with affiliates or with nonaffiliated third parties except as permitted or required by law.

Access to this nonpublic personal information about customers is restricted to only those employees who need to know that information in order to provide products or services to customers. The bank maintains physical, electronic and procedural safeguards in compliance with federal regulations to guard such nonpublic personal information.

Any questions or concerns about our Privacy Policy may be directed to Grant County Bank, 3 N. Main Street, Petersburg, WV 26847, or by calling (304) 257-4111.

FACTS	WHAT DOES GRANT COUNTY 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?

That 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 wire transaction history Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For you convenience, you may be asked to grant permission for access to your mobile device's geolocation data. This information may be collected when you use certain services that are dependent on your mobile device's location ( such as the location of an ATM or in store transactions).

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 Grant County Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Grant County 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	No	We don’t share
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 non-affiliates to market to you	No	We don’t share

Questions?	Call 304-257-4111

Who We Are
Who is providing this notice?	Grant County Bank

What We Do
How does Grant County 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 messages include computer safeguards and secured files and buildings. Access to your personal information is restricted to only those employees who need to know in order to provide products or services.
How does Grant County Bank collect my personal information?	We collect your personal information, for example, when you Open an account or make deposits/withdrawals from your account Apply for a loan or pay your bills online We also collect your personal information from others, such as consumer reporting agencies, 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 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. Grant County Bank may share with subsidiaries of Highlands Bankshares, Inc. (the holding company that owns Grant County bank) as permitted or required by law.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Grant County Bank does not share with nonaffiliates.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Grant County Bank does not share with nonaffiliates so they can market to you.