Graystone Bank

PRIVACY

AN IMPORTANT NOTICE CONCERNING THE PRIVACY OF YOUR PERSONAL INFORMATION

At Graystone Bank, maintaining our customers’ trust and confidence is very important to us. We have made it our priority to keep the information you provide to us safe and confidential by adopting specific practices for the collection, use, retention and security of your nonpublic personal information.

We value you as a customer and, therefore we do not sell or trade your information to any marketers or sales organizations. The information contained in this notice includes some terms that we are required to use to ensure that we comply with privacy laws. If any of the information contained in this notice is unclear or you have any questions, please call us at the following telephone number: 1-866-Graystone or 717-231-2700, or write to us at: 112 Market Street, Harrisburg, PA 17101.

Confidentiality and Security of Nonpublic Personal Information
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 standards to guard your nonpublic personal information.

Nonpublic Personal Information We Collect
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms.
• Information about your transactions with us, our affiliates, or others.
• Information we receive from a consumer reporting agency.

How We Protect Your Privacy
Our employees are educated on the importance of maintaining the confidentiality of customer information. We restrict access to customer 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 information.

Your Privacy Online - For Internet Users
The digital age has made online banking an everyday reality. Graystone’s commitment to safeguard your privacy extends to the Internet. Some information regarding our internet process:

• If you complete an online application, you’ll need to supply identification so we can process your request and correspond with you.
• If you bank online and want to access your account, you’ll need to supply information as requested so we can verify your identity.
• If you allow us to send you e-mail messages, we will retain the information you provide us to deliver e-mails of specific interest to you.
• If you send messages to Graystone, we may retain your e-mail message, your e-mail address and our reply to you.

We may use cookies, which are pieces of data that help web sites recognize return visitors, personalize your online visit and collect site-visitation statistics. If you are not comfortable with our use of the cookie technology, you can set your browser to refuse cookies. However, some of our services depend on cookies and you may not be able to access those services by refusing cookies.

Graystone may store information collected during your online visit in an electronic database. We use security measures to protect against loss, misuse and alteration of data stored in our systems.

Important Information About Procedure For Opening A New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

How We Use Your Information.
We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Every business relationship we enter into will require adherence to our strict privacy standards.

We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to other nonaffiliated third parties as permitted by law. This means that we may disclose customer or former customer information to a nonaffiliated third party in the following circumstances, among others that are permitted by law:

• We disclose the information to a service provider to effect, administer or enforce a transaction that you have requested or authorized.
• The information is used to monitor risks, or to identify and prevent losses to Graystone Bank or our affiliates.
• The information is provided in response to a subpoena or similar legal process.
• The information is disclosed in order to offer you a credit card through our private label credit card program.

Former Customers.
Should you close your account(s) or become an inactive customer, we will continue to adhere to the privacy principles described in this notice.

‘Opt-Out’.
Privacy notices that you receive from other financial institutions may contain ‘opt-out’ provisions that require you to request that your information not be shared with non-affiliated third parties. Please be advised that because we do not share your information with non-affiliated third parties (other than as permitted by law), there is no need to notify us or respond to ‘opt-out’.

We continually strive to maintain complete and accurate customer records. Please notify us at 1-866-Graystone if you believe our records reflect inaccurate or incomplete information. We will promptly investigate and correct any inaccuracies.