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Privacy Policy

The Home Trust & Savings Bank recognizes and respects our responsibility to protect our customers' private information. The success of a financial institution, like ours, depends heavily on the level of trust and confidence it enjoys with its depositors and borrowers. In continuing our commitment to provide quality service to our customer, The Home Trust & Savings Bank has adopted the following privacy statement for officers, directors and employees. This privacy statement applies to individuals (consumers), and The Home Trust & Savings Bank reserves the right to amend it at any time.

Our Collection, Use and Retention of Customer Information - We collect, use and retain information about our customers only where we reasonably believe it would be useful in administering our business, and providing products, services and other opportunities to our customers. We collect and retain information you provide to us, only for specific business purposes. We will tell you why we are collecting and retaining it upon your request by mailing your request to Customer Service, The Home Trust & Savings Bank, P.O. Box 150, Osage IA 50461-0150. We use information to protect and administer our customers' records, accounts and funds to comply with certain laws and regulations, to help design or improve our products and services, and to understand your financial needs and provide you quality products and outstanding service.

Our Maintenance of Accurate Information - We have implemented procedures to help assure that our customers' financial information is accurate, current and complete in accordance with commercially reasonable standards. While federal or state law requires some procedures, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and to update information and remove old information. Customers should notify us immediately at 641-732-3763 or at our location at 628 Main Street, Osage IA 50461 if they receive information regarding their relationship with us that they believe to be inaccurate.

Limited Employee Access to Information - We have procedures and security levels that limit employee access to personally identifiable information to those with a business reason to know such information. The importance of confidentiality and customer privacy is addressed at employee meetings. Appropriate disciplinary measures are taken to enforce employee privacy responsibilities.

Restrictions on the Disclosures of Account Information - We do not reveal specific information about our customers' accounts or other personally identifiable data unless (1) our customer has requested or authorized it; (2) the information is provided to help complete a transaction initiated by our customer; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) disclosure is lawfully permitted or required.

Maintaining Customers Privacy in Business Relationships with Outside Third Parties - At times it is necessary to provide personally identifiable information about our customers to a third party, such as a vendor or service company we hire to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential customer information and must abide by applicable law. We may also share customer information with affiliates or nonaffiliated third parties in order for our customers to receive information about products and services we believe to be of interest to them. You have a right to limit this sharing and use of information by contacting us at The Home Trust & Savings Bank, P.O. Box 150, Osage IA 50461-0150 and making a request in writing.

Protecting Children - The Home Trust & Savings Bank does not knowingly solicit data from children and we do not knowingly conduct online marketing to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and the parents.