Harvest Community Bank

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Privacy

OUR PRIVACY COMMITMENT TO YOU!

At Harvest Community Bank, we are committed to providing quality financial products delivered with superior customer service. This commitment is reflected in our Mission Statement:To deliver superior value by meeting our customers' financial needs through the continuous improvement and innovation of our products and services.

In order to provide you, our customers, with a broad array of financial products and services, we use many aspects of technology to manage and maintaining customer information. We value the trust of our customers and recognize the importance of keeping your personal financial information strictly confidential. At Harvest Bank, staff members do their very best to protect your privacy. However, we want you to understand what information we collect and how we use it. The following policy serves as a standard for all Harvest Community Bank employees for collection, use, retention and security of nonpublic personal information.

Information We Collect

We may collect "nonpublic personal information"* about you from the following sources:

  • Applications or other loan and account forms
  • Transactions with us or others
  • Third parties such as credit bureaus

* "Nonpublic personal information" is information about you obtained in connection with providing a financial product or service. For example, nonpublic personal information includes information regarding you account balance, payment history and overdraft history.

Information We Disclose

We are permitted by law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties if that will assist us in servicing your loan or account. We also may disclose such information to government entities in response to subpoenas or to credit bureaus. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

If you close your account(s) or become in inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures

We also take steps to safeguard all customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We expect our employees to perform to the highest standard of conduct in ensuring the confidentiality of our customers' information. In addition, Harvest Bank maintains physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We will always strive to maintain accurate information and respond in a timely manner to change or correct information for our customers.

Your Online Privacy - Information for Internet Users

HCB takes every precaution to provide you with the same level of privacy within our Internet environment that you receive through more traditional bank delivery channels with regard to safeguarding the information that you have entrusted to us.

For the most part, you can visit us on the Internet without disclosing to us who you are or revealing any information about yourself. However, there are several areas that will collect certain information about you and we want you to know how we handle that information.

HCB collects no personal or financial information from visitors to the Web site. We do record statistics about which pages of this Web site are visited, how much time is spent on a particular page, etc. HCB uses this information for internal review purposes only. This information enables us to tell which areas of the Web site are of most interest to our users, which avenues of site promotion are most effective and when peak usage times occur.

Cookies

Cookies are data tags used by Web servers to identify individual users that have accessed a Web site. Cookies serve a variety of legitimate functions including aiding user navigation, personalization of user online experience and for user authentication purposes. When using Harvest Internet Banking, a cookie may be generated with the initial login to the secure site. Cookies related to aiding user navigation and Web site personalization are generally not written to disk nor retained after the Web site session has ended. Cookies related to user authentication may be written to disk and retained after the Web site session has ended to be utilized for future authentication purposes.

Third Party Web Site Links

HCB's Web site contains links for your convenience to third party Web sites that you may find useful. HCB does not endorse or guarantee the security or privacy of any external Web site, nor can HCB be held responsible for any information that may be gathered at a linked site. Those sites may have their own privacy policies. Once you leave HCB's site, our privacy policy will no longer be in effect. You should review the privacy policy of any Web site before you provide personal or confidential information.

E-Mail

If you contact us via e-mail, please note that your e-mail address and other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. When you communicate with us via e-mail, HCB will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold nor will it be shared with others outside HCB unless authorized by you or we are compelled to do so by applicable law or court order.

Please note if you are sending e-mail to HCB, that e-mail is not a secure transmission method. Thus we request that you do not send sensitive personal information such as Social Security numbers, account numbers or any type of password via e-mail to HCB. Please use postal mail or a telephone call when submitting this information.

If you choose to enter our Harvest Internet Banking service, you will be requested to enter your USER ID and Password along with another means of authenticating your identity. We collect personal and/or financial information in order to process your transaction. HCB is committed to providing the highest level of security and privacy regarding the collection and use of our Harvest Internet Banking customer's personal information, as well as that of all visitors to our web site.

Children's Privacy Policy

We recognize that protecting children’s identities and privacy on-line is important and that the responsibility to do so rests with both the on-line industry and with parents. We do not knowingly solicit data from children under the age of 13, and we do not knowingly market through our web site to such children.

The Harvest Community Bank privacy policies and practices described in this notice, together with a new financial privacy law, give customers more protection than ever. Safeguarding your financial privacy is a priority in Harvest Community Bank's commitment to you. If you have any questions or concerns about the protection of your personal financial information, please contact us or stop in. We'll be glad to meet with you.

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