STATEMENT ON THE PRIVACY OF CUSTOMER INFORMATION
 
 
GenoaBank collects, retains and uses information about individual customers only when we believe it would be useful (and allowed by law) in administering our business, and to provide products, services and other opportunities to customers.
 
We collect nonpublic personal information about you from the following sources:

•  Information we receive from you on applications or other forms
•  Information about your transactions with us, our affiliates or others
•  Information we receive from a consumer reporting agency
  

We may dislcose 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.

We restrict access to nonpublic personal information about you to provide an appropriate description, such as “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 regulations to guard your nonpublic personal information.
 
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.
 
If you decide to close your account(s) or become an inactive customer we will adhere to the privacy policies and practices as described in this notice.