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Home My WebLink About20240326VPI Response 9 - Statement_March_2023 (3).pdf Rev 1-23 FA �+ WHAT DOES GLACIER BANK DO / C WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers Why? the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and Drotect 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 ■ 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 informationil"ff Does Glacier Can you limit this Bank 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: Main Phone Telephone Banking Altabank www.altabank.com Ph: 800-815-2265 888-842-3456 Bank of the San Juans www.banksanjuans.com Ph: 970-247-1818 877-367-1818 Citizens Community Bank www.ccb-idaho.com Ph: 208-232-5373 866-443-8680 C%.. Collegiate Peaks Bank www.collegiatepeaksbank.com Ph: 719-395-2472 866-481-8010 N First Bank of Wyoming www.gofirstbank.com Ph: 800-377-6909 800-640-3033 a First Bank of Montana www.1stbmt.com Ph: 406-538-7471 888-538-7471 O First Community Bank Utah www.fcbutah.com Ph: 801-813-1600 877-450-8555 First Security Bank of Bozeman www.ourbank.com Ph: 406-585-3800 866-495-1866 First Security Bank of Missoula www.fsbmsla.com Ph: 406-728-3115 877-728-3115 First State Bank www.fsbwy.com Ph: 307-322-5222 877-416-8136 Foothills Bank www.foothillsbank.com Ph: 800-288-8244 866-452-2919 Glacier Bank www. lacierbank.com Ph: 800-735-4371 800-366-4465 Heritage Bank of Nevada www.heritagebanknevada.com Ph: 775-348-1000 833-548-0078 Mountain West Bank www.mountainwestbank.com Ph: 800-641-5401 800-641-5428 North Cascades Bank www.northcascadesbank.com Ph:800-603-9342 800-569-0001 Valley Bank of Helena www.valleybankhelena.com Ph: 406-495-2400 877-495-9255 Western Security Bank www.westernsecuritybank.com Ph: 406-238-8820 866-893-5537 Page 2 i Who we are Who is providing this notice? Glacier Bank and its Divisions (list of divisions below) What we do — How does Glacier Bank protect my To protect your personal information from unauthorized access and use, personal information? we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. �Howoes Glacier Bank collect my y ,exam le We collect our ersonal information, for when you personal information? y p p ■ 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 ive 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 33 East Main Street, American Fork, UT 84003 Bank of the San Juans, Division of Glacier Bank 144 East 8th Street, Durango, CO 81301 Citizens Community Bank, Division of Glacier Bank PO Box 1689, Pocatello, ID 83204-1689 Collegiate Peaks Bank, Division of Glacier Bank PO Box 3009, Buena Vista, CO 81211 First Bank of Montana, Division of Glacier Bank PO Box 540, Lewistown, MT 59457 First Community Bank Utah, Division of Glacier Bank 12 South Main Street, Layton, UT 84041 First Security Bank of Bozeman, Division of Glacier Bank 208 E. Main Street, Bozeman, MT 59715 First Security Bank of Missoula, Division of Glacier Bank 1704 Dearborn, Missoula, MT 59801 First Bank of Wyoming, Division of Glacier Bank 245 E. 15t Street, Powell, WY 82435 First State Bank, Division of Glacier Bank 1405 16th Street, Wheatland, WY 82201 Foothills Bank, Division of Glacier Bank 11689 S Foothills Blvd, Yuma, AZ 85367 Glacier Bank PO Box 27, Kalispell, MT 59903-0027 Heritage Bank of Nevada, Division of Glacier Bank 2330 S. Virginia Street, Reno, NV 89502 Mountain West Bank, Division of Glacier Bank 125 Ironwood Drive, Coeur D'Alene, ID 83814 North Cascades Bank, Division of Glacier Bank PO Box 1648, Chelan, WA 98816 Valley Bank of Helena, Division of Glacier Bank PO Box 5269, Helena, MT 59604 Western Security Bank, Division of Glacier Bank PO Box 20637, Billings, MT 59104-0637 0% R GLACIER ` MI A ► FAMILY 4F BANKS Date 3/31/23 Page 1 Primary Account XXXXXXXXXXXX2979 VP INCORPORATED PO BOX 1785 SANDPOINT ID 83864 Account Title: VP INCORPORATED TOTALLY FREE BUSINESS CHECKING Number of Enclosures 5 Account Number xxxxxxxxxxxx2979 Statement Dates 3/01/23 thru 4/02/23 Previous Balance 90,970.11 Days in the statement period 33 8 Deposits/Credits 1,590.00 Average Ledger 83,600.95 13 Checks/Debits 53,521.87 Average Collected 83,600.95 Service Charge .00 Interest Paid .00 EndinCl Balance 39 038.24 DEPOSITSADDITIONS Date Description Deposits 3/01 INTUIT 33734955 DEPOSIT 40.00 CCD 524771999139190 021000022471428 3/06 Remote Deposit 360.00 3/07 INTUIT 77504735 DEPOSIT 280.00 CCD 524771999139190 021000020016856 3/08 INTUIT 82739785 DEPOSIT 40.00 CCD 524771999139190 021000020669236 3/09 INTUIT 90134555 DEPOSIT 40.00 CCD 524771999139190 021000025587906 3/22 DDA Regular Deposit 750.00 3/22 INTUIT 54953765 DEPOSIT 40.00 CCD 524771999139190 021000023644491 3/29 INTUIT 92276045 DEPOSIT 40.00 CCD 524771999139190 021000020178524 DEBITS AND WITHDRAWALS Date Description with 0% pIGLACIER MI A FAMILY 4F BANKS Date 3/31/23 Page 2 Primary Account XXXXXXXXXXXX2979 TOTALLY FREE BUSINESS CHECKING XXXXXXXXXXXX2979 (Continued) DEBITS AND WITHDRAWALS Date Description with 3/01 INTUIT 21812345 TRAN FEE .40- CCD 524771999139190 021000022297602 3/07 INTUIT 67495345 TRAN FEE 9.87- CCD 524771999139190 021000029840123 3/08 INTUIT 72696075 TRAN FEE 1.41- CCD 524771999139190 021000020495020 3/09 INTUIT 80069395 TRAN FEE 1.41- CCD 524771999139190 021000025420310 3/10 Bill Paid-JACOB W STYER CPA PL 777.50- LC Conf #181 3/10 CHECK 500038 1,230.00- WATER SYSTEMS MGT. INC. 3/16 NORTHERN LIGHTS CASH CON 62.94- CCD 0050275395 125108270014268 3/16 NORTHERN LIGHTS CASH CON 107.53- CCD 0050275415 125108270014269 3/17 CHECK 500040 1,294.00- WATER SYSTEMS MGT. INC. 3/22 INTUIT 45165135 TRAN FEE 1.41- CCD 524771999139190 021000023842680 3/27 ANNUAL eBANKING SERVICE FEE 35.00- 3/29 INTUIT 82213885 TRAN FEE .40- CCD 524771999139190 021000020011382 ORDERCHECKS IN NUMBER 3/30 50,000.00 3/10 500038* 1,230.00 3/17 500040* 1,294.00 Denotes missing check numbers DAILY BALANCE INFORMATION �. �. Balance 3/O1 91,009.71 3/09 91,717.02 3/22 89,033.64 3/06 91:369.71 3/10 89,709.52 3/27 88:998.64 3/07 91,639.84 3/16 89,539.05 3/29 89,038.24 3 08 91 678.43 3/17 88 245.05 3 30 39 038.24 Remade Deposit Credit Credit DDA Deposit Bank: Glacier Family of Banks Date/Time: 3/22/2023 12:31 PM Branch#: 3050 Workstation: MW57TEL03 VP Incorporated Date: 3/6/2023 Branch Name:MOUNTAIN WEST BANK-SANDPOINT HIN#: 848131590000076 0-4139 Items: 9 Teller ID: tgunter Owner: VP INCORPORATED 863 KAWSU SHORES RD Amount: $%0.00 Drawer#: 8535 Sarrtll ID 83864 Bahf3ID: 173113I254618 Trans#: 16 2t]5-20-0402 MISC: Trn Deposit, AcDo nt1D:897962 6455498 Acd Num: 52040002979 SUBSTITUTE IMAGE/VIRTUAL DOCUMENT AUXILIARY R/T ACCOUNT PC/TC AMOUNT 5001-0011 52040002979 1 $750 00 Remote Deposit Date:03/06 Amount:$360.00 DDA Regular Deposit Date:03/22 Amount:$750.00 fU,SfA-10 Gb Vin® CHECKING WITHDRAWAL � APRNtoaccount NA-RICHARDVILLELLI 16OZ232423 YP INCORPORATED 863 KANIKSU SHORES RD - 02/I6/2023 0000500038 SAND'/(��{ /I POINT ID 83864 16�C�f�vF/ 1'�/ cl F lrp f e nks PRINT NAME ,91'P tl �59901 3�38L 3.. . ... .. a� . �T �Q --. DATE SIGNATURE ti lD� PAY;''IONE THOUSAND TRO HIIf IP 1NIRTYb0LLARS i11D,N0I- — @ AMOUNT vA M1�'`'t' ��[ /f//.5 \ 3WATER SYSTEMS MGT.• _, **$1230•00 AMOUNT �I �1' D fA'.7 aj 116V Q v DOLLARS ORDER�.-- INC.# OF ACCOUNT NUMBER AMOUNT OF WITHDRAWAL s 20`f Doa ZM 3000000 p0,62 a�IY,FAMILY , to on File L' BANKS account holder has pre-approved this check `_ .. :. '. Vold After 90 Dage Mtj 1:500 1111000 0: 11'0000 5000 38111 1:29 29 708 2 51: 000 5 204000 2 9 7 91E CHECK Date:03/30 Amount:$50,000.00 CHECK 500038 Date:03/10 Amount:$1,230.00 Apply to account.,NA-RICHARDVILLELLI 0703231883 VP INCORPORATED 93-70R2 _ DATE 863 KANIKSU SHORES RDA 03/07/2023 0000500040 6ANDPOINT,ID 83864 j ra��yie�rpnraNl of uMs lispell ar�99p1 ANOUNF PAY ioNlTO, ;_ aRu-._nroIED-RitErRtooiiaRSARu�o71oD�� **g1294.00 THE ;WATER SYSTEMS MGT. INC. I ORDER I- — OF - �`GLACIER Signature an File- FAMILY OF BANKS account holder has pre-approved this check DOSS---= ��2t}lolp 00005000400 1:2929?08251: 0005204000297911' CHECK 500040 Date:03/17 Amount:$1,294.00 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