Privacy Statement

Last updated October 1, 2026

FACTS WHAT DOES GRAHAM SAVINGS AND LOAN, SSB 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
  • Account balances
  • Payment history
  • Transaction history
  • Credit history
  • Overdraft history
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 Graham Savings and Loan, SSB chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Graham Savings and Loan, SSB 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 non-affiliates to market to you No We Don’t Share
To limit
our sharing
  • Call 940.549.2066 – our menu will prompt you through your choice(s) or
  • Visit us online: www.grahamsl.com

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 940.549.2066 or go to www.grahamsl.com
Who we are
Who is providing this notice? Graham Savings and Loan, SSB
What we do
How does Graham Savings and Loan, SSB 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information.
How does Graham Savings and Loan, SSB collect my personal information? We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan
  • Deposits or withdrawals
  • Provide contact information
  • Show your driver’s license

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account – unless you tell us otherwise.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include companies such as Legend Bank, N.A. and Legend Bancorp, Inc.
Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Graham Savings and Loan, SSB 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 debit card companies; insurance companies; and investment and advisory companies.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization.

For California Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing – without your authorization.

For Texas Customers: The Graham Savings & Loan, SSB is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage Lending.  Any consumer wishing to file a complaint against the Graham Savings & Loan, SSB should contact the Department of Savings and Mortgage Lending through one of the means indicated below:

In Person or by U.S. Mail: 2601 North Lamar Boulevard, Suite 201, Austin, Texas 78705-4294,

By Telephone No.: (877) 276-5550,

By Fax No.: (512) 936-2003,

Or through the Department’s website at www.sml.texas.gov