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Privacy Notice                 rev. 11/2014

FACTS What does Hometown Community Bank do with your personal information?
Why? 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.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number
  • Account balances
  • Payment history
  • Transactions or loss history
  • Credit scores
  • Checking account information

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

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Hometown Community Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Hometown Community Bank share? Can you 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 report to credit bureaus Yes No
For our marketing purposes- To offer our products and services to you No We Don't Share
For joint marketing with other financial companies No We Don't Share
For affiliates' everyday business purposes- Information about your transactions and experiences No We Don't Share
For our affiliates' everyday business purposes- Information about your creditworthiness No We Don't Share
For nonaffiliates to market to you Information about your creditworthiness No We Don't Share

Questions? Call 320-795-2562 or go to
Who we are
Who is providing this notice? Hometown Community Bank, with main office located in Cyrus, MN and branch location in Forada, MN
What we do
How does HCB 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.
How does HCB collect my personal information? We collect your personal information, for example, when you
  • Open an account
  • Apply for a loan
  • Give us your contact information
  • Pay us by check
  • Generate a wire or transfer funds to or from our bank.

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 of affiliates' everyday business purposes- information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

States laws and individual companies may give you additional rights to limit sharing. MN is not listed in the state to state exemptions.

Definitions
Affiliates

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

  • Cyrus Bancshares and Stellner Insurance are affiliated with HCB. We do NOT share information for marketing or credit purposes.
Nonaffiliates

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

  • HCB does not share with nonaffiliates so they can market to you.
Joint Marketing

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

  • HCB does not share information for joint marketing.


Other Important Information
Effective 10-24-14 - Alternative delivery Method of the annual Privacy Policy has changed for qualifying banks. HCB has meet the 5 points of qualifications, thus we will no longer be mailing the annual notice, but instead have it available on our website:
Hometown Community Bank
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