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Privacy Policy

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Privacy Policy

FACTS WHAT DOES Gate City 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.
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
•account transactions and checking account information
•payment history and mortgage rates and payments
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 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 Gate City Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Gate City Bank share?	Can you limit this sharing?
For 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	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes - information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes - information about your creditworthiness	No	We don’t share
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share

To limit our sharing :? Call 800-423-3344
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provide this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing
Questions? Call 800-423-3344

Who we are
Who is providing this notice?	Gate City Bank
What we do
How does Gate City 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 measures include computer safeguards and secured files and buildings.
How does Gate City Bank protect my personal information?	We collect personal information, for example, when you • open an account or apply for a loan • make deposits or withdrawals from your account ? use your credit card or debit card or give us your contact information We also collect your 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply individually unless you tell us otherwise. Any account holder may express a privacy preference on behalf of the other joint account holders.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non financial companies. Our affiliates include financial companies with Gate City in their name such as: • Gate City Insurance Agency, LLC
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non financial companies. • Nonaffiliates we share with can include service providers that provide printing and mailing services in connection with our marketing to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include insurance agencies and investment companies.