Disclosures and Notices Great Rivers Bank

Privacy Policy

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FACTS

WHAT DOES GREAT RIVERS 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.

What?

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 transaction or loss history
Account balances and credit history
Payment history and credit card or other debt
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 Great Rivers Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Great Rivers Bank share?	Can you limit this sharing?
Reasons we can share your personal information 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	Does Great Rivers Bank share? Yes	Can you limit this sharing? No
Reasons we can share your personal information For our marketing purposes— to offer our products and services to you	Does Great Rivers Bank share? No	Can you limit this sharing? We Don’t Share
Reasons we can share your personal information For joint marketing with other financial companies	Does Great Rivers Bank share? No	Can you limit this sharing? We Don’t Share
Reasons we can share your personal information For our affiliates’ everyday business purposes— information about your transactions and experiences	Does Great Rivers Bank share? No	Can you limit this sharing? We Don’t Share
Reasons we can share your personal information For our affiliates’ everyday business purposes— information about your creditworthiness	Does Great Rivers Bank share? No	Can you limit this sharing? We Don’t Share
Reasons we can share your personal information For our affiliates to market to you	Does Great Rivers Bank share? No	Can you limit this sharing? We Don’t Share
Reasons we can share your personal information For nonaffiliates to market to you	Does Great Rivers Bank share? No	Can you limit this sharing? We Don’t Share

Questions?

Call 217-335-2393 or go to www.greatriversbank.bank

Who we are
Who we are Who is providing this notice?	Great Rivers Bank

What we do
What we do How does Great Rivers 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.
What we do How does Great Rivers Bank collect my personal information?	We collect your personal information, for example, when you Open an account or provide your mortgage information Apply for a loan or show your driver’s license Apply for financing We also collect your personal information from others, such as credit bureaus, affiliates, or other companies
What we do 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 we do

How does Great Rivers 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.

What we do

How does Great Rivers Bank collect my personal information?

We collect your personal information, for example, when you

Open an account or provide your mortgage information
Apply for a loan or show your driver’s license
Apply for financing

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies

What we do

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.

Definitions
Definitions Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Great Rivers Bank does not share with our affiliates. Our affiliate includes FNBBarry Bancorp, INC.
Definitions Nonaffiliated	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Great Rivers Bank does not share with non-affiliates so they can market to you.
Definitions Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Great Rivers Bank doesn’t jointly market.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Great Rivers Bank does not share with our affiliates. Our affiliate includes FNBBarry Bancorp, INC.

Definitions

Nonaffiliated

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

Great Rivers Bank does not share with non-affiliates so they can market to you.

Definitions

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Great Rivers Bank doesn’t jointly market.

Other important information
Other important information For Illinois customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing-without your authorization.

Funds Availability

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Funds Availability Policy

Our general policy is to allow you to withdraw funds deposited in your account on the same business day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the same business day. Contact bank for full details.

Daily Cut-Off Times

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. If you make a deposit on a business day we are open, we will consider that the day of deposit. If a deposit is made on a day we are not open, we will consider that deposit made on the next business day we are open.

USA Patriot Act

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In accordance with Section 326 of the USA Patriot Act, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address and other identifying information.

In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account or has expired. In all cases, protection of our customers’ identity and confidentiality is our pledge to you.

We proudly support all efforts to protect and maintain the security of our customers and our country.

Disclosures and Notices

Online Banking

Privacy Policy

Funds Availability

Funds Availability Policy

Daily Cut-Off Times

USA Patriot Act