Mortgages

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 Account Balances

·          Payment History            and Transaction History

·          Overdraft History           and Employment Information

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 customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Grand Bank, N.A. chooses to share; and whether you can 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 our nonaffiliates to market to you

No

We don’t share

Questions?

Call 800-234-3459 or go to www.grandbk.com

Who is providing this notice?

Grand Bank, N.A.

What we do

How does Grand Bank, N.A. 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 Bank, N.A. collect my personal information?

We collect your personal information, for example, when you

·       Open an account or Apply for a loan

·       Make a deposit or withdrawals from your account

·       Show your driver’s license

We also collect 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 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.

• Carnegie Mortgage, LLC

Nonaffiliates

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

·      Grand Bank, N.A. 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 Bank, N.A. does not jointly market.

Other important information