Privacy Notice

Financial companies choose how they share your personal information. Federal and state law gives consumers the right to limit some but not all sharing. Federal and state 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.

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.

For our 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 our non-affiliates to market to you

No

We don't share

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.

Call 800-423-3344

Gate City Bank

To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state law. These measures include computer safeguards and secured files and buildings.

We collect your 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.

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

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.

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

Companies not related by common ownership or control. They can be financial and non-financial companies.

Non-affiliates we share with can include service providers that provide printing and mailing services in connection with our marketing to you.

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partners include companies that provide additional products and services such as investment and banking services.

State Privacy Laws: If you are a resident of North Dakota, California, Connecticut, Illinois, or Vermont, we will not share your non-public personal information without your authorization unless otherwise permitted by law.

Do Not Call Policy: This Privacy Policy constitutes Gate City Bank’s Do Not Call Policy under the Telephone Consumer Protection Act for all consumers. Gate City Bank maintains an internal Do Not Call preference list. Do Not Call requests will be honored within 30 days and will be effective for at least five years from the date of request. No telemarketing calls will be made to residential or cellular phone numbers that appear on the Gate City Bank Do Not Call list. Contact us at 800-423-3344 to be placed on Gate City Bank’s internal Do Not Call preference list.

Nevada residents: We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the Do Not Call section. For more information, contact us at 800-423-3344 or by writing us at Gate City Bank, P.O. Box 2847, Fargo, ND 58108-2847. For more information, you may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; 702-486-3132; aginfo@ag.nv.gov.

Important notice about credit reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.