THE HOME LOAN SAVINGS BANK - PRIVACY POLICY

At The Home Loan Savings Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with The Home Loan Savings Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

What Information We Collect
We may collect “nonpublic personal information” about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

“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.

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 company that is not an affiliate of ours.

What Information We Disclose
We may disclose information about you to our affiliates. The source of this information is transaction and experience information from our account records. Here are the kinds of information we may disclose:

• Name
• Address
• Account balances
• Account activity
• Types of accounts
• Payments history
• Deposit history

Federal law allows us to disclose the information listed above with our affiliates. You do not have the right to opt out of the disclosure of this information.

We may disclose information about you to the following types of affiliates:

• Financial service providers such as Home Loan Financial Services, Inc.

Reasons Why We May Disclose
We may disclose information about you to Home Loan Financial Services, Inc. to evaluate your total relationship with the Home Loan family of companies in order to provide you with a comprehensive array of financial products and services.

Our Security Procedures
We restrict access to nonpublic personal 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 that comply with federal standards to guard your nonpublic personal information. We do not disclose nonpublic personal information about former customers, except as permitted by law.

At The Home Loan Savings Bank, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how The Home Loan Savings Bank protects your confidential information, please call 740-622-0444 or address your questions to The Home Loan Savings Bank, Attention: Operations, 413 Main Street, Coshocton, OH 43812.