HOME SAVINGS BANK PRIVACY DISCLOSURE
 
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

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 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 owing 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 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.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees when need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

INTERNET PRIVACY

Visitors to this bank website remain anonymous. We do not secretly collect identifying information. However, we may use standard software to collect general statistical information about visitors to our website, such as:

• Date and time our site was accessed
• IP address (a numeric address given to servers connected to the Internet)
• Web browser used
• City, state, and country

The bank uses this information to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via e-mail or our website’s online registration forms. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations.

Bank customers who want to access the Internet Home Banker must go through an enrollment process. The enrollment forms request personal identifying information through an encrypted session to assist the bank in positively identifying the customer. Personal information includes your name, social security number and account number. Again, this information is used internally and is not disseminated or sold to other organizations.

Some areas of our web site 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.