GNB Privacy

Gardner National Bank

Federal Deposit Insurance Corporation

GARDNER NATIONAL BANK

PRIVACY POLICY FOR INDIVIDUALS

Effective May 1, 2001

Our Promise. GNB is committed to the belief that maintaining the confidentiality of our customers’ information is at the core of our relationship with our customers. We promise that we will protect your confidential information as set forth in the Privacy Policy. Our Board of Directors has adopted this Privacy Policy so that you will understand what information we collect and how we use it.

Information We Collect. We collect and retain information about you only when we reasonably believe that the information will assist us in managing your accounts and services and in providing products, services and other opportunities to you. One of the main reasons we collect certain information is to protect your account and to identify you when we conduct transactions with you. The information we collect will also be used to comply with certain laws and regulations that may apply to us and to help us understand your financial needs as we design or improve our products and services. We will also use your information to administer your account and transactions and to provide you with products and services that will best assist you. We collect nonpublic personal information about you from the following sources:

	Information we receive from you on an application or other form;
	Information about your transactions with us;
	Information we receive from a credit bureau.

Examples of nonpublic personal information include information regarding your account balance, credit card use and payment history.

Information We Disclose. We understand that you expect the personal information you have entrusted to us to be handled with great care. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as necessary to provide GNB services or as otherwise permitted or required by law. Please be assured that we will NEVER provide medical information that we may obtain in insurance applications to any associate without a need to know.

Third Parties. We are also permitted by law to disclose nonpublic information about you in certain circumstances to third parties, which are not part of Gardner National Bank. We do not sell or share customer information to unrelated third parties for the third parties to use for their own purposes. We do share information with companies that work for us. For example, we may share information with companies that print checks for us, mail customer statements or letters or provide data processing services. These companies are acting on our behalf when they provide these services and are obligated by contract to maintain the information they receive in a confidential manner. They are not authorized to use the information for any other purposes. We also provide information:

	When you authorize us to release information;
	To credit reporting agencies;
	To other parties when it is necessary or helpful in completing a transaction you initiate, including other financial institutions and networks involved in processing your transactions;
	To comply with a law, regulation, court order or subpoena;
	To verify the existence of your account and general information about the condition of your account for a merchant or other financial institution;
	In response to an inquiry about whether a check you have written on an account will clear;
	To local, state, and federal authorities if we believe a crime may have been committed involving your account;
	To our independent auditors, consultants or attorneys and to agencies that regulates us.

Our Security Procedures. One of the ways we protect your information is by limiting access to information about you to those associates with a reason to know your information in order to provide products or services to you. In addition, we train our associates about the importance of maintaining the confidentiality of customer information. We take appropriate disciplinary action to enforce our associates’ privacy responsibilities. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Effective Date. This Privacy Policy is effective May 1, 2001. We reserve the right to change this policy from time to time, but will not do so without first notifying you of any change.

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Contact:

Gardner National Bank

PO Box 429

Gardner, KS 66030

(913) 856-7199

(888) 775-6956

with questions or comments about this web site.
Copyright © 2001 Gardner National Bank
Last modified: January 24, 2008