Disclosures

FDIC Temporary Liquidity Guarantee Program

The Cheviot Savings Bank has chosen not to participate in the FDIC’s Transaction Account Guarantee Program. Customers of Cheviot Savings Bank with noninterest-bearing transaction accounts will continue to be insured through December 31, 2013 for up to $250,000 under the FDIC’s general deposit insurance rules.

Cheviot Savings Bank elected not to participate in this program since we maintain liquidity levels well above the required levels imposed on federally insured financial institutions.

Privacy Policy

At Cheviot Savings Bank, protecting the privacy and confidentiality of your personal information is important to our employees and us. We value your business and the trust you put in Cheviot Savings Bank. In order to offer you the financial products and services you seek to obtain, we collect, maintain, and use information about you on a routine basis. To help you understand how your personal information is protected here at Cheviot Savings Bank, we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information.

What We May Disclose

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law or with your written authorization.

What 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 transaction with us, our affiliates, or others
Information we receive from a consumer reporting agency

Security of Your 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.

Our goal is to provide the best service to our customers with strict privacy and confidentiality of all information received from you in conjunction with the service we are providing.

Our Commitment to Protecting Your Information and Your Identity

If you are changing any personal information you will need to notify us immediately. We will require you to complete and sign a "Change of Information form." The information would include your address, phone number and any other pertinent information regarding your accounts.

SCAM: Don't become a victim! Cheviot Savings Bank is committed to protecting our customer's information and identity. The customer is our most important investment, and we want to protect your information against the many scams that we all face concerning fraud and identity theft. Cheviot Savings Bank will never contact you via telephone, mail, or email, or any other communications to request or verify your password, Personal Identification Number (PIN), social security number, or account number.

Cheviot Savings Bank maintains stringent privacy policies. Password protection for online transactions helps assure online security. Encryption of online transactions converts your information into secure code, protecting you against hackers.

The following information can help protect you from becoming a victim and maximize the security of your identification and accounts:

Deposit mail into a secure Postal Service box.
Shred information containing personal information.
Review all account statements regularly and timely.
Be aware of pretext phone calls inquiring about account numbers and social security numbers.
Protect your information at all times.
Keep PIN separate from your ATM and Debit Cards.
Do not share your PIN, ATM, or Debit Cards.
Obtain a copy of your credit report and verify it.

What to do if you become a victim:

Contact all businesses that are affected by the fraud.
Contact the police.
Notify the credit bureau fraud department.
Place a fraud alert statement on your credit report.
Review all statements for at least three months.

Online Banking and Internet Security.
There are many internet scams to be aware of such as Spoofing, Phishing, and Cyber-Fraud.

Never respond to unsolicited requests for social security numbers or account numbers.
Be wary of banks, businesses, and government agencies requesting information. There are many sites that “mirror” or “shadow copy” legitimate sites.
Be wary of unsolicited or unexpected emails.
Use only secure websites when making purchases.

Contacting Cheviot Savings Bank: If you think you are victim of fraud or identity theft, or someone has attempted to obtain information from you, contact us at once and ask for the Operations Department: (513) 661-0457.

Who To Report To If You Are a Victim: The following phone numbers and websites provide information about fraud and who to contact if you become a victim of fraud or identity theft.

Credit Reporting Bureaus:

Equifax
800-525-6285
Experian
888-397-3742
Trans Union
800-680-7289

Social Security Administration
Fraud Department 800-269-0271

Federal Trade Commission
ID Theft 877-382-4357 (www.FTC.gov)

Identity Theft Resource Center
(www.idtheftcenter.org)

USA Patriot ACT

Help Us in the War on Terrorism

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. These procedures are designed to help identify those that are committing crimes such as identity theft, account fraud, and the flow of funds by terrorists.

What this means for you: When you open an account at Cheviot Savings Bank, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents and make a copy of the document for our records.

The information obtained will remain confidential and secure as explained in our privacy policy. Thank you for your understanding and cooperation.