Privacy Notice

Rev 5/2012

At Bank of Granite, the basis of each customer relationship is trust. You have chosen to do business with us, and we are committed to honor that relationship with great care, beginning with the information you share with us. We believe your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the practices outlined in our privacy notice below.

Please note that this privacy notice only applies to personal banking accounts.

Click here to download our privacy notice.

FACTS

WHAT DOES BANK OF GRANITE 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 income and employment information
Account balances, transactions and payment information
Retirement assets
Credit history and assets

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 Bank of Granite chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Bank of Granite share?	Can you 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	Yes	Yes
For our affiliates to market to you	Yes	Yes
For our nonaffiliates to market to you	No	We don't share

To limit our sharing

Call 800-844-3549 and ask for Privacy Notice Assistance
Visit us online: www.bankofgranite.com/privacy
Complete this form and mail to Account Services, PO Box 128, Granite Falls, NC 28630

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent 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.

Questions?

Call us toll-free at 800-844-3549 daily from 9 a.m. to 5 p.m. EST or write to us at P.O. Box 128 Granite Falls or email us at www.bankofgranite.com/privacy.

Who we are
Who is providing this notice?	Bank of Granite, an FNB United Corp. company

What we do
How does Bank of Granite 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. Our employees are bound by our Code of Ethics and policies to access consumer information only for legitimate business purposes and to keep information about you confidential.
How does Bank of Granite collect my personal information?	We collect your personal information, for example, when you: Open an account or show your government-issued ID Deposit money or use your debit card Pay your bills or apply for a loan Make a wire transfer We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
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
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates currently are financial companies such as banks.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Bank of Granite 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. Our joint marketing partners include financial institutions such as insurance companies and financial product or service marketing companies.

Internet Privacy & Security
We are just as committed to protecting the privacy of customer information on the internet as we are with traditional banking services. Click here for information regarding our internet privacy and security measures.