This notice covers customers who use or obtain financial products and services for personal, household or family purposes. This notice explains how we collect and disclose nonpublic personal information that we obtain when providing you with financial products and services.
Protecting nonpublic personal information has always been important to us. Access to nonpublic personal information is limited to those persons who need to know that information. For example, access to nonpublic personal information is needed to resolve customer questions, to maintain internal security, to control fraud, to provide products or services to customers, or to protect or enforce our rights. We maintain physical, electronic, and procedural safeguards that comply with federal standards to safeguard customer information.

We collect nonpublic personal information about you from the following sources.

• Information we receive from you on applications or other forms.
• Information about your transactions or relationships with us, or with third parties.
• Information we receive from consumer reporting agencies.

We do not share nonpublic personal information regarding our customers or former customers to marketers or other third parties, except as permitted or required by law. Our policy means you do not have to ask us not to share nonpublic personal information with third parties.

We may disclose all of the nonpublic personal information we collect to companies that perform services in support of deposit and credit products we offer, including:

• To consumer reporting agencies.
• For fraud and security control or risk management.
• To help complete a transaction you initiate, including information requested to verify the existence or status of an account.
• To resolve disputes or inquiries you may have about your accounts.
• When disclosure is required or permitted by law, such as pursuant to court order, subpoena, legal process or government agency examination or investigation, or to protect or enforce our rights.
• To companies that perform services for us in connection with your accounts, such as insurance companies, collection agencies, data processing and software companies, including Net Enterprises, our affiliate, whom this notice also covers.

Correcting Errors In Information We Share With Consumer Reporting Agency
If you believe any of the information we share with a consumer reporting agency is in error, please let us know. Write to us at: Hocking Valley Bank, Attention: Compliance Officer, 7 West Stimson Avenue, Athens, Ohio 45701. Please provide us with your complete name, current address, phone number, social security number, account number, type of account, and the specific item in dispute. You must tell us the reason you believe this information has been reported in error.

Children's Online Information Privacy
We don't knowingly collect, maintain, or use personal information from our website about children under age 13. If a child whom we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.