What does Gateway Commercial Bank do with your personal information?

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 products or service you have with us. This information can include:

• Social Security number
• Account balances
• Payment history

• Transaction history
• Credit history
• Checking account information

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 Gateway Commercial 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

No

We don't share

For join marketing with other financial companies

No

We don't share

For our affiliates' everyday business purposes -
information about your transactions and experiences

No

We don't share

For our affiliates' everyday business purposes -
information about your creditworthiness

No

We don't share

For nonaffiliates to market to you

No

We don't share

How does Gateway Commercial 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.

For your increased security, Gateway Commercial Bank's online banking product, Netteller, requires acceptance of a persistent cookie when accessing your account information.

How does Gateway Commercial Bank collect my personal information?

We collect your personal information, for example, when you:

• Open an acccount
• Pay your bills
• Apply for a loan

• Make deposits or withdrawals
  from your account
• Give us your contact information

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

How does Gateway Commercial Bank protect my personal information?

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.

Affiliates

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

• Gateway Commercial Bank has no affiliates.

Nonaffiliates

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

• Gateway Commercial Bank does not share with nonaffiliates so they can market to you.

Joint Marketing

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

• Gateway Commercial Bank does not jointly market.