PERSONAL INFORMATION PRIVACY PROTECTION POLICY

At Home Savings Bank, protecting the privacy and confidentiality of your personal information is important. We value your business and the trust you put in Home Savings. In order to offer you the financial products and services you seek to obtain, we collect, maintain, and use information about you on a routine basis. To help you better understand how your personal information is protected here at Home Savings Bank, we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information. At Home Savings Bank:

We do not disclose any nonpublic personal information about our current or former customers to any affiliate or nonaffiliated third party except as permitted by law.

We may collect information volunteered by you during the application process, gathered from your transactions and experiences with us, and obtained from other authorized sources, such as credit bureaus. All information collected and stored by Home Savings Bank is used for specific business purposes, such as administering your account, complying with state and federal banking regulations, protecting against fraud, and developing a better understanding of your financial needs to provide you with improved products and services.

We understand that the protection of your nonpublic personal information is of the utmost importance. Guarding your privacy is our obligation. Home Savings Bank maintains strict procedures and policies to safeguard your privacy. We restrict employee access to customer information to only those who have a business reason to know such information, and we educate our employees about the importance of confidentiality and customer privacy.