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Rev. June 2011





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.



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                                       ·  Transaction history

·  Income                                                              ·  Account transactions

·  Account balances                                               ·  Checking account information




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 The Hardin County Bank chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information

Does HCB 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



For our marketing purposes –

­to offer our products and services to you


We don’t share

For joint marketing with other financial companies


We don’t share

For our affiliates' everyday business purposes – information about your transactions and experiences



For our affiliates' everyday business purposes – information about your creditworthiness


We don’t share

For our affiliates to market to you



For nonaffiliated to market to you


We don’t share


To limit our sharing

Mail the enclosed form (Click here for a printable copy of the HCB Privacy Policy with the included Opt-Out Form.)
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.


Call 731-925-9001 or go to


What We Do



How does The Hardin County Bank 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does The Hardin County Bank collect my personal information?


We collect your personal information, for example, when you

·  Open an account                          ·  Make a wire transfer

·  Make deposits or withdrawals       ·  Show your driver’s license
     from your account                       

·  Give us your contact information

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 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. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.






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

·  Our affiliates include:
Financial companies such as: The Hardin County Bank Wealth Management Division and The Hardin County Bank Insurance Agency.



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

·  The Hardin County Bank 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.

·  The Hardin County Bank doesn’t jointly market.

Other Important Information

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.