Privacy Policy

Grand Valley Bank has the highest regard for the privacy of our customers and, as a result, we safeguard the privacy of users of our website, just as we safeguard the privacy of all customers. Grand Valley Bank considers serving you to be a privilege and considers guarding your privacy our obligation. The following covers the circumstances in which we will collect, maintain, and use any information that you may provide to us. This includes information that you provide to us when you apply for any of our accounts or services.

Use, Collection and Retention of Customer Information

We maintain your personal identifiable information in a secure computer system.
Grand Valley Bank will use information collected from you to provide you with the services and products that you request. We will also use information to identify you in our attempt to know our customers, to communicate with you, and to help us respond to your questions.

When you provide us with information various employees may see your information. We maintain your personal identifying information in a secure computer system. We have procedures and security levels that limit employee access to personally identifiable information to those employees with a business reason to know such information about you. We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, special training programs, and Grand Valley Bank's Standards of Conduct Policy. We continually review these procedures and policies to ensure the highest level of security in regard to your private information. We take appropriate disciplinary measures when necessary to enforce employee privacy responsibilities.

Maintenance of Accurate Information

Information regarding customers should be reliable, both to protect GVB as well as individual customers. Procedures have been established to ensure that customer information, directly related to the type of bank services being used, will be collected and maintained as accurately, timely, and completely as possible. If a customer notifies us that information is inaccurate, we will investigate and correct the information as appropriate in a timely manner.

Restrictions on the Disclosure of Account Information

We may disclose information about your accounts as well as personal information provided to the Bank to credit bureaus or agencies who have a legitimate purpose for obtaining the information. We also may disclose information about your accounts to third parties under the following circumstances:

• When it is necessary for completing transactions, transfers, or related bookkeeping and accounting.
• To verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
• When the disclosure is required or allowed by law.
• When you give us permission.

Grand Valley Bank Website

When visiting Grand Valley Bank's website we will not collect information about you, but we may collect and store information about your Internet connection, which may include:

• The name of the domain from which you access the Internet (i.e. aol.com if you are connecting from America Online)
• The Internet address of the Website from which you linked directly to our site, if any ( i.e. www.yahoo. com, if you find us using the Yahoo search engine)
• The type of web browsing software that you are using to view our site.
• The date and time that you access our site.
• Which pages on our website you visited. (We use this information to improve the content of web pages.)

Maintaining Customer Privacy in our Business Relationships

We will not sell personal information to a third party for the purpose of solicitation or for its own independent use. However, from time to time, Grand Valley Bank contracts with outside vendors and other business partners to perform specific services for the bank. (For example, auditing companies, bank examiners and software companies all do work for GVB from time to time.) Grand Valley Bank tries to select business partners and vendors that adhere to similar privacy standards as that of the bank. We expect that our business partners and vendors will honor and safeguard any information regarding a Grand Valley Bank customer. If you have any reason to believe that your personal information retained at Grand Valley Bank is incorrect please call us at 970-241-4400 or e-mail us. We will investigate the problem and, if appropriate, update the bank's records. We reserve the right to change this policy at any time by posting a new privacy policy.

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