Privacy Policy

OUR PRIVACY PLEDGE TO YOU
As our customer, you provide us with important information about yourself. We believe it is our responsibility to safeguard your personal and financial information. We are committed to keeping your personal and financial information confidential. We have developed the following privacy policy to ensure you the confidentiality you deserve. You have our promise that we will adhere to these guidelines. It is our pledge to you.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our and us, when used in this notice, mean Home Savings Bank.

This is our privacy notice for our customers. When we use the words you’ and “your” we mean the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a:

• Deposit account
• Loan account
• Credit card account
• Safe deposit box
• All IRA accounts for which we act as custodian
• Former customers

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We will tell you what information we share about you with other entities. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

We first define some terms.

• Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information’ to mean nonpublic personal information as defined in this section.
• An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
• A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party.”

THE INFORMATION WE COLLECT
We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information

INTERNET INFORMATION

• Visitors to our website remain anonymous. We do not collect personally identifying information about visitors to our site.
• Our server does collect standard non-identifying information about visits to the site, such as date and time visited, IP address, city, state, and country. This information is used to compile standard statistics on site usage. Some areas of our Website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.
• If personally identifying information is provided via e-mail or web forms (such as name, address and telephone number), the information will only be used to communicate with the provider to handle the request. It is not sold or transferred to other parties outside the bank unless we are required to do so by law.

MAINTENANCE OF ACCURATE INFORMATION
We will employ all feasible measures to ensure the accuracy, timeliness and completeness of customer information and will employ diligent efforts to correct any known inaccurate information in a timely manner.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

INFORMATION WE DISCLOSE ABOUT YOU
WE DO NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers except as permitted by law.