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 and income
• Account balances and payment history
• Credit history and transaction history

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 Home Federal Bank chooses to share; and whether you can limit this sharing.

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.

We authorize our employees to obtain your personal information only when they need it for reasonable business purposes.

We collect your personal information, for example, when you:

• Open an account or make deposits or withdrawals from your account
• Pay your bills or apply for a loan
• Use your credit or debit card

Federal law gives you the right to limit only:

• Sharing for affiliates' everyday business purposes: information about your creditworthiness
• Affiliates from using your information to market to you 
• Sharing for nonaffiliates to market to you 

State laws and individual companies may give you additional rights to limit sharing. 

• Home Federal Bank does not share with our affiliates. 

• Home Federal Bank does not share with nonaffiliates so they can market to you. 

• Home Federal Bank doesn't jointly market.