The Henry County Bank Privacy Policy and Practices Disclosure

MISSION STATEMENT
The Henry County Bank's Mission is to meet the financial and financially related desires of its customers. In order to provide an array of financial products and services it becomes necessary to collect, use, retain, and secure individual customer information. As financial professionals entrusted with sensitive financial information, we will respect the privacy of our customers and will be committed to treating customer information responsibly and will comply with laws and regulations designed to secure that privacy.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean The Henry County 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:
    • Deposit account
    • Loan Account
    • Safe deposit box
    • Retail installment contract we hold and service
    • Individual Retirement Account where we act as custodian
    • Trustee for benefit 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 will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. 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."

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION WE COLLECT
We collect 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 other parties
  • Information from a consumer reporting agency
  • Information we receive as a result of verifying customer information

THE CONFIDENTIAL, 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.

YOUR INFORMATION AND OTHER PARTIES
We may disclose information to other parties. Here are the kinds of information we disclose to these other parties:

  • Information you give us on an application or other forms, such as:
    • Name
    • Address
    • Assets
    • Income
  • Information about your transactions with us, such as:
    • Account balances
    • Types of accounts
  • Information we receive from a credit reporting agency, such as:
    • Creditworthiness
    • Credit history

You may opt out of the disclosure of the information listed above.

State Limitations
AL, AK, CA, ID and VT - We will not share this information about customers who reside in Alabama, Alaska, California, Idaho or Vermont.

MA, MS and NJ - We will not share any information derived from deposit relationships with us about customers who reside in Massachusetts, Mississippi or New Jersey. If you have a loan account or other customer relationship in addition to a deposit account relationship, and you do not want us to share this information about you, you should opt out using a method described below.

IL - We will not share this information about our customers who reside in Illinois with other parties.

Types of Other Parties
We may disclose information about you to the following types of other parties:

  • Financial service providers, such as:
    • Mortgage bankers
    • Securities broker-dealers
    • Life insurers

We may also disclose information about you to other parties as permitted by law.

Reasons For Disclosing
We may disclose information about you to other parties to provide you with information about additional products and services.

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

YOUR RIGHT TO BLOCK THE DISCLOSURE
OF YOUR INFORMATION
Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to "opt out."

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.

If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.

If you wish to opt out of the disclosure of your information, you may do so by contacting us at:

The Henry County Bank
122 E Washington Street
Napoleon, OH 43545
(419)599-1065
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For more information, contact the Main Office at 419-599-1065.
Copyright © 2000-2001 The Henry County Bank. All rights reserved.