Notice of your Financial Privacy Rights

 This is our privacy notice for our customers.  When we use the words “you” and “your” we mean all of our consumer customers
who have a continuing relationship with us, such as:
·      Deposit account
·      Loan account
·      Safe deposit box
·      Self-directed Individual Retirement Account where we act as custodian or trustee

For purposes of this privacy notice:

Nonpublic personal information means information about you that we collect in connection with providing a financial product
or service to you.  Nonpublic personal information does not include information that is available from public sources, such
as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled
by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough
to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.
 THE INFORMATION THAT WE COLLECT
 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 with us
·      Information about your transactions with nonaffiliated third parties
·      Information from a consumer reporting agency
 THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
 We restrict access to nonpublic personal information about you to those employees who need to know that information to
provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal
standards to guard your nonpublic personal information.
 NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
 Since we value our customer relationship with you and respect your privacy, we will not disclose your nonpublic personal
information to nonaffiliated third parties, except as permitted by law.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
 We do not disclose nonpublic personal information about former customers, except as permitted by law.

AUTHORIZED SHARING OUTSIDE MARKETING SERVICES

 We may disclose name and address to companies that perform marketing services on our behalf.
Federal law allows us to share this information with companies that perform marketing services on our behalf.   You do
not have a right to opt out of the disclosure of this information.  We may also disclose nonpublic personal information about
you to nonaffiliated third parties as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information for outside marketing purposes:

• Service providers that perform marketing services for us, or; direct mail marketers

Reasons for Disclosing

Here is why we may disclose nonpublic personal information about you to companies that perform marketing services
on our behalf:
·      To provide our customers with information about additional products and services

Limitations on Disclosure

Here are the limitations we impose on the use of nonpublic personal information disclosed to companies that perform
marketing services on our behalf:
·      We only allow direct mail solicitations.
·      We do not allow telephone solicitations. 

AUTHORIZED SHARING – JOINT MARKETING

 We may disclose name and address to other financial institutions with whom we have joint marketing agreements:
 Federal law allows us to disclose this information to other financial institutions with whom we have joint marketing agreements. 
You do not have a right to opt out of the disclosure of this information.  We may also disclose nonpublic personal information
about you to nonaffiliated third parties as permitted by law.
 Types of Businesses.
We may disclose nonpublic personal information under this section with financial service providers, such as Sisk & Company.

Reason For Disclosing

We may disclose nonpublic personal information about you to other financial institutions with whom we have joint marketing
agreements in order to provide you with information about additional products and services.

Limitations on Disclosure

Here are the limitations we impose on the use of nonpublic personal information disclosed to other financial institutions with
whom we have joint marketing agreements:
·      We only allow direct mail solicitations.
·      We do not allow telephone solicitations.
 Other Information:
 Weblinks
We are not responsible for the collection, use or security of information by companies or organizations outside of
Owen Community Bank that may be linked to our website.  We encourage you to read the privacy policies of each website
reached through links from the OCB website.