Privacy Policy

WHAT DOES HOME BANKING COMPANY  DO WITH YOUR PERSONAL INFORMATION?

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.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

 When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons Home Banking Company chooses to share; and whether you can 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 to report to credit bureaus

Yes

No

For our marketing purposes-
to offer our products and services to you

No

We do not share

For joint marketing with other financial companies

Yes

We do not share

For our affiliates’ everyday business purposes-
information about your transactions and experiences

No

We do not share

For our affiliates’ everyday business purposes-
information about your creditworthiness

No

We do not share

For non-affiliates to market to you

No

We do not share

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How does Home Banking Company 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 to those employees for whom access is appropriate.

How does Home Banking Company collect my personal information?

We collect your personal information, for example, when you

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. See below for more on your rights under state law.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Home Banking Company has no affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Home Banking Company does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Home Banking Company does not engage in joint marketing.

Other Important Information