Statement of the Privacy of Customer Information

GNB Bank respects the privacy expectations and rights of its customers regarding financial information and other related information, which the Bank has or gathers in its normal course of business.

GNB Bank collects, retains, and uses information about individual customers only when we believe it would be useful (and allowed by law) in administering our business and to provide products, services, and other opportunities to customers. We collect nonpublic personal information* about you from the following sources.

1. Information we receive from you on applications or other forms.
2. Information about your transactions with us.
3. Information we receive from a consumer reporting agency.

GNB Bank does not disclose any nonpublic personal information about you to anyone, except as authorized by law. We restrict access to nonpublic personal information about you 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 regulations to guard your nonpublic personal information.

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law. We may share the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. All such companies are contractually obligated to keep the information we provide confidential, and use the information only on our behalf. We do not disclose nonpublic personal information about former customers.

Website use

Visitors to GNB Bank's website remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us via e-mail. Visitors may elect to provide us with personal information via e-mail. This information is used internally, as appropriate, to handle the sender's request and manage the bank's web site. It is not disseminated or sold to any other organization.

Visitors should, however, keep in mind that e-mail is not necessarily secure against interception. If you do not agree with the use of the information, or are not comfortable with the level of privacy, cancel the e-mail before it is sent. Website visitors should call the bank directly at 319-824-5431 or 1-800-545-0172, if requests or statements include private or sensitive information.

*Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.