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Home My WebLink About20240326VPI Response 9 - 2022.03 VP Inc MWB.pdf Rev 9-2021 WHAT DOES GLACIER 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 product or service you have with us. This information can include: ■ Social Security number and income ■ account balances and payment history ■ credit history and account transactions 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 Glacier Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information —7Does Glacier Bank Can you limit this share? sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond Yes No to court orders and legal investigations, or report to credit bureaus 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— No We don't share information about your creditworthiness For nonaffiliates to market to you No We don't share Call or go to the appropriate website listed: Altabank www.altabank.com Ph: 800-815-2265 Bank of the San Juans www.banksanjuans.com Ph: 970-247-1818 Citizens Community Bank www.ccb-idaho.com Ph: 208-232-5373 Collegiate Peaks Bank www.collegiatepeaksbank.com Ph: 719-395-2472 First Bank of Wyoming www.gofirstbank.com Ph: 800-377-6909 First Bank of Montana www.lstbmt.com Ph: 406-538-7471 First Community Bank Utah www.fcbutah.com Ph: 801-813-1600 First Security Bank of Bozeman www.ourbank.com Ph: 406-585-3800 Q First Security Bank of Missoula www.fsbmsla.com Ph: 406-728-3115 First State Bank www.fsbwy.com Ph: 307-322-5222 Foothills Bank www.foothillsbank.com Ph: 800-288-8244 Glacier Bank www.glacierbank.com Ph: 800-735-4371 Heritage Bank of Nevada www.heritagebanknevada.com Ph: 775-348-1000 Mountain West Bank www.mountainwestbank.com Ph: 800-641-5401 North Cascades Bank www.northcascadesbank.com Ph: 800-603-9342 Valley Bank of Helena www.valleybankhelena.com Ph: 406-495-2400 Western Security Bank www.westernsecuritybank.com Ph: 406-238-8820 Who is providing this notice? Glacier Bank and its Divisions (list of divisions below) How does Glacier Bank protect my To protect your personal information from unauthorized access and personal information? use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Glacier Bank collect my We collect your personal information, for example, when you personal information? ■ open an account or deposit money ■ pay your bills or apply for a loan ■ use your credit or debit card 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 State law and individual companies may give you additional rights to limit sharing. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. ■ Our affiliates include financial companies related by common ownership control. The entities jointly providing this notice are listed at the end of the form. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ■ Glacier 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. ■ Our joint marketing partners include companies such as financial service companies. Glacier Bank divisions include: Altabank, Division of Glacier Bank First Bank of Wyoming, Division of Glacier Bank Bank of the San Juans, Division of Glacier Bank First State Bank, Division of Glacier Bank Citizens Community Bank, Division of Glacier Bank Foothills Bank, Division of Glacier Bank Collegiate Peaks Bank, Division of Glacier Bank Heritage Bank of Nevada, Division of Glacier Bank First Bank of Montana, Division of Glacier Bank Mountain West Bank, Division of Glacier Bank First Community Bank Utah, Division of Glacier Bank North Cascades Bank, Division of Glacier Bank First Security Bank of Bozeman, Division of Glacier Bank Valley Bank of Helena, Division of Glacier Bank First Security Bank of Missoula, Division of Glacier Bank Western Security Bank, Division of Glacier Bank 0% RIGLACIER MI A FAMILY 4F BANKS Date 3/31/22 Page 1 Primary Account XXXXXXXXXXXX2979 VP INCORPORATED 863 KANIKSU SHORES RD SANDPOINT ID 83864 Account Title: VP INCORPORATED TOTALLY FREE BUSINESS CHECKING Number of Enclosures 13 Account Number xxxxxxxxxxxx2979 Statement Dates 3/01/22 thru 3/31/22 Previous Balance 99,712.35 Days in the statement period 31 13 Deposits/Credits 3,440.97 Average Ledger 99,434.14 11 Checks/Debits 4,572.54 Average Collected 99,434.14 Service Charge .00 Interest Paid .00 EndinCl Balance 98 580.78 DEPOSITSADDITIONS Date Description Deposits 3/01 Remote Deposit 495.00 3/02 INTUIT 97026355 DEPOSIT 120.00 CCD 524771999139190 021000023945887 3/03 INTUIT 98676445 DEPOSIT 30.97 CCD 524771999139190 021000023673165 3/07 Remote Deposit 435.00 3/07 INTUIT 19431305 DEPOSIT 35.00 CCD 524771999139190 021000026872646 3/08 Remote Deposit 115.00 3/09 Remote Deposit 250.00 3/11 Remote Deposit 260.00 3/14 Remote Deposit 120.00 3/15 Remote Deposit 340.00 3/18 INTUIT 85802195 DEPOSIT 40.00 CCD 524771999139190 021000022810860 3/23 Remote Deposit 800.00 3/28 Remote Deposit 400.00 0% pIGLACIER MI A FAMILY 4F BANKS Date 3/31/22 Page 2 Primary Account XXXXXXXXXXXX2979 TOTALLY FREE BUSINESS CHECKING XXXXXXXXXXXX2979 (Continued) DEBITS AND WITHDRAWALS Date Description with 3/02 INTUIT 56288505 TRAN FEE 3.98— CCD 524771999139190 021000023757095 3/03 INTUIT 57880255 TRAN FEE 1.15— CCD 524771999139190 021000023480129 3/07 INTUIT 79051105 TRAN FEE 1.27— CCD 524771999139190 021000026999412 3/15 CHECK 500010 2,260.56— WATER SYSTEMS MGT. INC. HANSEN 3/16 NORTHERN LIGHTS CASH CON 126.46— CCD 0050275415 125108270005623 3/16 NORTHERN LIGHTS CASH CON 333.71— CCD 0050275395 125108270005622 3/18 INTUIT 46010005 TRAN FEE 1.41— CCD 524771999139190 021000022654652 3/25 ANNUAL eBANKING SERVICE FEE 35.00— CHECKS IN NUMBER ORDER 3/16 15 160.00 3/23 10013* 80.00 3/18 40* 1,569.00 3/15 500010* -see above- Denotes missing check numbers 3/01 100,207.35 3/09 101,186.92 3/18 97,495.78 3/02 100323.37 3/11 101,446.92 3/23 98,215.78 3/03 100:353.19 3/14 101,566.92 3/25 98,180.78 3/07 100,821.92 3/15 99,646.36 3/28 98,580.78 3 08 100 936.92 3/16 99 026.19 Remote Deposit Credit Remote Deposit Credit 11P Ilxorporated Date: 3/1/2022 VP Incorporated Date: 3/7/2022 a—bw Items: 7 axdbw Items: 11 W3 KANDC ID RD Amant: $495.00 863 SHORES RD Amant: $435.0D &w� BaUfi ID: L4J3257B197 &w'pDint ID 83B51 Bath ID: 140045022W 2oB-92o o4c2 Acc3"ID:897962 6455498 Zoe o4oz Acoo nt ID:897962 6455498 Acct Num: 52U90002979 Acct Num: 52040002979 Remote Deposit Date:03/01 Amount:$495.00 Remote Deposit Date:03/07 Amount:$435.00 Remote Deposit Credit Remote Deposit Credit 11P Incorporated Date: 3/8/2022 VP Incorporated Date: 3/9/2022 didaw Items: 3 axdbw Items: 1 W3 KANUC ID RD Amant: $115.00 BB SHORES RD Amant: $250.00 &w� Bahh ID: 140ZM57925 &w'pDint ID 93BrA Baih ID: 14U32419101 Acc3"ID:897962 6455490 Zoe 0402 AcDo nt ID:897962 6455498 Acct Num: 52040002979 Acct Num: 52040002979 Remote Deposit Date:03/08 Amount:$115.00 Remote Deposit Date:03/09 Amount:$250.00 Remote Deposit Credit Remote Deposit Credit 11P Incorporated Date: 3/11/2022 VP Incorporated Date: 3/14/2022 didaw Items: 5 axdbw Items: 1 M3ID RD Amant: $260.00 W3 RD Amant: $120.00 &wo*oK Bahh ID: 14054126257 &w'pDK ID 93B54 Bakh ID: 1406181885 2oB-92o o4c2 Zoe Acc3"ID:897962 6455498 o4oz Acoo nt ID:897962 6455498 Acct Num: 52040002979 Acct Num: 52040002979 Remote Deposit Date:03/11 Amount:$260.00 Remote Deposit Date:03/14 Amount:$120.00 Remote Deposit Credit Remote Deposit Credit 11P Incorporated Date: 3/15/2022 VP Incorporated Date: 3/23/2022 didaw Items: 7 axdbw Items: 8 W3 KAMCS l SHORES RD Amant: $340.00 W3 SHORES RD Amant: $800.00 &wo*oK ID 83R64 Bahh ID: 1407778741 &wdpDint ID 83BrA Bath ID: 14135233M 2OB-920 0402 2OB-920-0402 A¢3Lnt ID:897962 6455490 A[[autt ID:897962 6455498 Acct Num: 52040002979 Ac[t Num: 52040002979 Remote Deposit Date:03/15 Amount:$340.00 Remote Deposit Date:03/23 Amount:$800.00 Remote Deposit Credit VP INCORPORATED 010 015 VP hvirporated Date: 3/28/2022 863 KANIKSU SHORES RD DATE xJ Items: 4 SANDPOINT, ID 83864 �/�� W3 KANOCSU SHORES RD ' PAY TO THE ��J,,/J 4' `F�^ �� SQAI Amotnt: 00 V`e�'G &went ID 83864 Bath ID: 141W49U97 °S;;ORDER OF— � � � - A LLARS AExtnntID:8979626455498 �t' �� `(ffVln.(Jr}�� R� � �� ttQ tt�. AOct Num: 52D400D2979F' ) \ d3-�rto � r 23170551: 0000052040002,9794' 0015 I Remote Deposit Date:03/28 Amount:$400.00 CHECK 15 Date:03/16 Amount:$160.00 VP INCORPORATED 010040 863 KANIKSU SHORES RD I VP INCORPORATED 010013, ;.. SANDPOINT, ID 83864 DATE ZZ 867 KANIKSU SHORES RA /7-Z SANDPOINT, ID 83864CIO DATE .:..PAY TOTHE ' "'ORDER OFPAYTOTNE ORDER OF_ i;i:f; DwL -(keAtyeA� 1''Q �d S�a�- IJine ' .DOLLARS DOLLARS �pMountain U Mountain .q5`,V West Bank West h3EHo 1=—gAY U'u ` MEMO�y t:1231719551: 00000520400029790 0040 t:123171955t: 0000052040002979N' 0013 CHECK 40 Date:03/18 Amount:$1,569.00 CHECK 10013 Date:03/23 Amount:$80.00 \ - = 0703222095 Apply to account NA-RICHARDVILLELLI VP INCDRPoRATED 03 O T2022 0000500010 1 863 KANIKSU SHORES 0.D SANDPOINT;ID 83864 Glacier JfaoiilloYpof Banks 49 li spellsxl 59901 AMOUNT PAYTo �TNO,THOUSANDTNOHUNDRED_SIkTY-DOLIARS_IIIIND,5611001 **$2260.56 THE ;WATER SYSTEMS MGT. INC HANSENI ORDER' ---- OF �`GLACIER Sig ature on File \FAivIILI'OF BANKS account holder Gas ore-ayyraved this check Memo:Invoice p 111693 Void After 90 Days Ar 000005000 0118 1:29 29708 2 51: 000 5 204000 29 7911' CHECK 500010 Date:03/15 Amount:$2,260.56 GLACIER \ FAMILY OF BANKS Altabank PO Box 307 American Fork, UT 84003 altabank.com 800-815-2265 Bank of the San Juans 144 E. Eighth St. Durango,CO 81301 banksanjuans.com 970-247-1818 Citizens Community Bank PO Box 1689 Pocatello, ID 83204 ccb-idaho.com 208-232-5373 Collegiate Peaks Bank PO Box 3009 Buena Vista,CO 81211 collegiatepeaksbank.com 719-395-2472 First Bank of Montana PO Box 540 Lewistown, MT 59457 1stbmt.com 406-538-7471 First Bank of Wyoming PO Box 907 Powell,WY 82435 gofirstbank.com 800-377-6909 First Community Bank Utah PO Box 248 Layton, UT 84041 fcbutah.com 801-813-1600 First Security Bank of Bozeman PO Box 910 Bozeman, MT 59771 ourbank.com 406-585-3800 First Security Bank of Missoula PO Box 4506 Missoula, MT 59806 fsbmsla.com 406-728-3115 First State Bank PO Box 39 Wheatland,WY 82201 fsbwy.com 307-322-5222 Foothills Bank 11689 S. Foothills Blvd Yuma,AZ 85367 foothillsbank.com 800-288-8244 Glacier Bank PO Box 27 Kalispell, MT 59903 glacierbank.com 406-756-4200 Heritage Bank of Nevada PO Box 11920 Reno, NV 89510 heritagebanknevada.com 775-348-1000 Mountain West Bank PO Box 1059 Coeur d'Alene, ID 83816 mountainwestbank.com 208-765-0284 North Cascades Bank PO Box 1648 Chelan,WA 98816 northcascadesbank.com 509-682-4502 Valley Bank of Helena PO Box 5269 Helena, MT 59604 valleybankhelena.com 406-495-2400 Western Security Bank PO Box 20637 Billings, MT 59104 westernsecuritybank.com 406-238-8820 You will notice some changes have been made to the statements.If you would like to have a reconciling page for reconciling assistance,please visit your local Division Branch or call your local branch and we would be happy to mail you a supply.The reconciling sheet has also been added to each Division website and can be printed from home for your convenience. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS 1) will,in the case of OVERDRAFT PROTECTION LINE OF CREDIT,be ON YOUR CONSUMER ACCOUNT automatically deducted from your checking account at the end of Telephone us or write us at the phone number and address on the front of each billing cycle normally thirty(30)days this statement as soon as you can,if you think your statement or receipt is or wrong or if you need more information about a transfer on the statement or 2) must,in the case of LINE OF CREDIT ACCCOUNTS,be delivered or receipt.We must hear from you no later than 60 days after we sent you the mailed with the coupon section of this statement and check, FIRST statement on which the error or problem appeared. money order or cash to the bank of account. 1) Tell us your name and account number(if any) Payments shall be applied first to any unpaid Finance Charges and 2) Describe the error or the transfer you are unsure about and explain as second to the principal balance outstanding. clearly as you can why you believe there is an error or why you need more information IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL 3) Tell us the dollar amount of the suspected error If you think your bill is wrong or if you need more information about a We will investigate your complaint and will correct any error promptly.If transaction on your bill,write us(on a separate sheet)at the address shown we take more than 10 business days to do this,we will recredit your account on your bill as soon as possible.We must hear from you no later than 60 days for the amount you think is in error,so that you will have use of the money after we sent you the first bill on which the error or problem appeared.You during the time it takes us to complete our investigation. can telephone us,but doing so will not preserve your rights. In your letter give us the following information: HOW FINANCE CHARGES ARE CALCULATED ON OVERDRAFT PROTECTION Your name and account number LINES OF CREDIT The dollar amount of suspected error A. Finance charges are imposed on principal advances under your line Describe the error and explain,if you can,why you believe there is an and begin to accrue on the day an advance is posted to your line: error.If you need more information,describe the item you are unsure about. THERE IS NO GRACE PERIOD.We figure(a portion of)the finance You do not have to pay any amount in question while we are investigating, charge on your account by applying the periodic rate to the"average but you are still obligated to pay the parts of your bill that are not in daily balance"of your account(including current transactions).To get question.While we investigate your question,we cannot report you as the"daily balance"we take the beginning balance of your account delinquent or take any action to collect the amount you question. each day,add any new(purchases/advances/loans),and subtract any payments or credits(and unpaid finance charges).This gives us the REPURCHASE AGREEMENT AND FDIC INSURANCE daily balance.Then,we add up all the daily balances the billing cycle Customer funds held in a Repurchase Agreement are not a deposit and and divide the total by the number of days in the billing cycle.This therefore not insured by the FDIC.Such funds are subject to the terms and gives us the"average daily balance". limitations of the Sweep Account Master Repurchase Agreement. B. New Balance Calculation The New Balance shown on the face of this statement is calculated by(1) Member _ Starting with the"Beginning Balance"(the New Balance from the FDIC previous month's statement)(2)subtracting total payments and(3) � adding total advances(including,if applicable,Credit Life premiums, EQUAL HOUSING check printing charges,returned check charges,or any other LENDER miscellaneous charges outlined in your loan agreement)and(4) adding total Finance Charges. C. Payments The minimum periodic payment shown on the front of this statement: Rev:02/2022