At Graystone Tower Bank, maintaining our customers' trust and confidence is very important to us. We have made it our priority to keep the information you provide to us safe and confidential by adopting specific practices for the collection, use, retention, and security of your nonpublic personal information. We value you as a customer and, therefore, do not sell or trade your information to any marketers or sales organizations. The information contained in this notice includes some terms that we are required to use to ensure that we comply with privacy laws. If any of the information contained in this notice is unclear or you have any questions, please call us at one of the following telephone numbers: 1 866 GRAYSTONE (Harrisburg), or 1 866 597 2137 (Greencastle), or 1 877 362 0100 (West Chester). You may also write to us at 112 Market Street, Harrisburg PA 17101.

How We Protect Your Privacy. Our employees are educated on the importance of maintaining the confidentiality of customer information. We restrict access to customer information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your information.

Important Information About Procedures for Opening a New Account. The help the federal government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Nonpublic Personal Information That We Collect. We collect nonpublic personal information about you from the following sources: (1) information we receive from you on applications or other forms, (2) information about your transactions with us, our affiliates, or others, (3) information we receive from a consumer reporting agency, (4) information we obtain as a result of the USA PATRIOT ACT requirements.

How We Use Your Information (information that we may disclose). We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Every business relationship we enter into will require adherence to our strict privacy standards. They may use the information for its intended use but are prohibited from redisclosing it. We do not disclose, nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to other nonaffiliated third parties, except as permitted by law. These are examples of circumstances that are permitted by law: (1) to a service provider to effect, administer, or enforce a transaction that you have requested or authorized, (2) in order to offer you a credit card through our private label credit card program, (3) to process a secondary market sale (including servicing rights) related to your transaction, (4) to monitor risks or to identify and prevent losses to Graystone Tower Bank or one of its divisions or affiliates, (5) to provide a response to subpoena or similar legal process, (6) to provide account information to persons acting in a fiduciary or representative capacity on behalf of you.

Former Customers. Should you close your account(s) or become an inactive customer, we will continue to adhere to the privacy principles described in this notice.

Opt Out. Privacy notices that you receive from other financial institutions may contain "opt-out" provisions that require you to request that your information not be shared with non-affiliated third parties. Please be advised that because we do not share your information with non-affiliated third parties (other than as permissible by law), there is no need to notify us or respond to "opt-out."

Fair Credit Reporting Act Notices. We continually strive to maintain complete and accurate customer records. Please notify us at 1 866 GRAYSTONE (Harrisburg), or 1 866 597 2137 (Greencastle), or 1 877 362 0100 (West Chester) if you believe our records reflect inaccurate or incomplete information. You may also write to us at 112 Market Street, Harrisburg PA 17101. We will promptly investigate and correct any deficiencies. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Affiliate Information Sharing. Transaction or Experience Information: This is information bearing on transactions or experiences with one of your affiliates. For instance, information relating to the type of account that you hold and the history on that account is 'transaction or experience information.' The Fair Credit Reporting Act permits us to share this type of information between affiliates without notice to you and without providing you with an opt-out so long as the information is not used for marketing purposes. Accordingly, we will share transaction or experience information among our Graystone Tower Bank divisions and affiliates but we will not use this information for marketing purposes. This means we do not need to provide you with the ability to opt-out of sharing this information. Other Information: Information contained in a consumer report or an application for credit would not generally be considered 'transaction or experience information.' That information is defined as 'Other Information' in the Fair Credit Reporting Act. We will share credit information between the banking 'divisions' of Graystone Tower Bank (permissible sharing) but will not share that information between the 'divisions' and Graystone Mortgage, LLC or vice versa. Therefore, no opt-out for sharing 'Other Information' is required at this time.

Your Privacy Online (for internet users). The digital age has made online banking an everyday reality. Graystone Tower Bank's commitment to safeguard your privacy extends to the Internet. Some information regarding our Internet process: (1) if you complete an online application, you'll need to supply identification so we can process your request and correspond to you, (2) if you bank online and want to access your account, you'll need to supply information as requested so we can verify your identity; (3) if you allow us to send you e-mail messages, we will retain the information you provide us to deliver e-mails of specific interest to you, (4) if you send messages to Graystone Tower Bank, we may retain your e-mail message, your e-mail address and our reply to you.

We may use cookies, which are pieces of data that help web sites recognize return visitors, personalize your online visit and collect site-visitation statistics. If you are not comfortable with our use of the cookie technology, you can set your browser to refuse cookies. However, some of our services depend on cookies and you may not be able to access those services by refusing cookies. Graystone Tower Bank may store information collected during your online visit in an electronic database. We use security measures to protect against loss, misuse and alteration of data stored in our systems.

Children's Online Privacy Protection Act. Our website does not include children's pages and we do not collect, use, or disclose personal information from children.

Questions? Please Contact Us.
Phone: 1 866 GRAYSTONE (Harrisburg), or 1 866 597 2137 (Greencastle), or 1 877 362 0100 (West Chester)
Mail: Graystone Tower Bank, 112 Market Street, Harrisburg, PA 17101