Privacy Policy

At NBOH, we strive to protect the personal and financial information that you have entrusted with us. Our goal is to protect your personal information in every way that we interact with you, whether it’s on the telephone, in our lobby, at one of our ATMs, or on the Internet. For this reason, we would like to explain some of our procedures that are intended to protect your privacy. Throughout our website, you will have access to this Privacy Policy at any time. The primary banking regulators have endorsed certain Privacy Principles and NBOH has incorporated these principles into our policy. We use these Privacy Principles to guide us in dealing with consumer information. We have also outlined other procedures that have been designed to protect your interests. These include specific ways for you to communicate with us. Please note that, to protect your privacy, we cannot accept communications from anyone other than yourself, unless the party acting for you is your attorney or legal representative, guardian, trustee or is otherwise authorized by law to represent you.

External Third Party Links

Our website has a number of links to other third party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. This financial institution is not responsible for the privacy practices or the content of such web sites. Third party merchants may collect personal information from you when you visit their sites. For example, they collect information from you if you send them an email. Some third party merchants may also send you a cookie to collect data on your Internet usage and preferences. When you click on advertisements at third party sites, the advertising company may also send you a cookie. This financial institution does NOT have access to this information, nor can we control how they use this information. As a general rule, you should always look for and review a site’s privacy policy before giving out any personal information.

If you have questions or concerns about the privacy policies and practices of these third parties, please review their website and contact them directly. NBOH assumes no responsibility for the content, safety, security or privacy of any such site or any transactions you conduct through them. If you have any concerns regarding unauthorized access to your accounts or financial institution credit cards, please contact us at (419) 898-5741 or toll-free at (877) 311-8517.

Information That We Collect:

We collect nonpublic personal information about our customers
from the following sources:

· Information we receive from you on applications, emails, or other forms.

· Information about your transactions with us and others.

· Information we receive from a consumer-reporting agency.

· Information that is generated when you contact us electronically.

Our Online banking provider(OBP), also collects and maintains certain information about our customers simply to help us provide banking and other financial services to you online. They may also collect certain information for security and statistical purposes. The information collected may include:

· The Internet address (referral site) which brought you to our web site.

· The date and time you access our site.

· The name and version of your web browser.

· Your Internet Protocol (IP) address

· Content of cookies sent by our OBP.

· The pages visited in our website.

The information collected on the pages you visit within our website is used only for statistical purposes and is tied only to your IP address. In the future, OBP may use some of this information to assist us in our marketing practices.

Internet Protocol (IP) Addresses

An IP address is a number that’s automatically assigned to your computer whenever you are surfing the Web. Web servers, the computers that “serve up” Web pages, automatically identify your computer by its IP address. Our OBP  does not link IP addresses to anything personally identifiable, which means that a user’s session will be logged, but the user remains anonymous to our OBP and NBOH. Our OBP may use IP addresses to audit the use of our site. Our OBP can and will use IP addresses to identify a user when necessary for security purposes.

Visitors to our Website

Visitors to the NBOH Website remain anonymous, making it impossible for us to collect unique identifying information about you unless you voluntarily and knowingly provide us that information. We do not send website visitors a cookie. Our OBP does collect general information about your visit, such as when you accessed our site, which pages were accessed, and what Internet provider was used when you accessed our site. You may elect to provide us with more specific information when you give us feedback or send us an email. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided. Information provided to us regarding visitors to The NBOH Website is never sold to third parties.

Use of Cookies

Online Banking: When you log on to our Online banking system, our Online banking provider, passes a cookie to your browser. This cookie only identifies your computer. OBP does not (and cannot) use cookies to collect or obtain new personal information about you. This cookie allows OBP to process multiple transactions during your session without requiring you to reenter your pass code for each individual transaction. The cookies for online banking simply provide another level of security for our Internet banking product. Our OBP’s online banking product uses encrypted cookies that do not pass to your hard drive. Instead, the cookie is stored in the memory of your browser, identifying your computer while you are logged on. Only OBP can read the information in these cookies. When you log off, close your browser, or turn off your machine, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity.

If you would like to know what information we have collected regarding your visit to our Website, contact Internet Banking Coordinator. After reviewing the information, if you believe any of the information is in error, contact  our Online Banking Coordinator, explain the alleged discrepancy, and if the information is incorrect, we will update it promptly. In addition, if you believe any information we have collected about you has been used for an improper purpose, contact Internet Banking Coordinator and explain your concerns in as much detail as possible so we may take any appropriate action.

Security

NBOH has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your nonpublic personal information to a “need to know” basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy. We take appropriate measures to enforce employee privacy responsibilities. We offer secure email through our online banking services. You should use the secure mail service anytime you send us sensitive personal information.

NBOH offers online banking and bill pay services to our customers. These services allow you to access your deposit and loan accounts through an authentication process that uses personal access codes and passwords. We employ a number of measures to provide these services in a secure manner. These measures allow us to properly authenticate your identity when you access our services and protect your information as it traverses the Internet between your PC and NBOH. Our Online banking service provider, has also developed security policies and procedures to protect the customer information that they must collect and maintain to help us process your banking transactions over the Internet. They have developed a top-of-the-line security system to ensure your customer information is protected on the Internet and within the their  environment.

Our security measures, and yours, must rely on these access codes remaining confidential. We strongly recommend that you do not share these access codes and passwords with others. NBOH recommends changing your pass code at least once a month.

Certain third party providers such as bill pay and bill presentment sites, financial aggregator sites, brokerage sites or other e-commerce sites may offer to provide services to you by accessing your accounts using your access codes and passwords. While it is your decision whether or not to use these services, please be advised that we cannot be responsible for the security and accuracy of the information displayed to you anywhere but at the NBOH web site.

NBOH uses the following
dual factor authentication.

· Validation Engine – The validation engine stores login and session statistics for all online banking users to build a pre-login and post-login profile for each online banking user. These collected statistics include login time, location or IP address, frequency, browser footprint, click counts, and session duration. The validation engine is based on statistical modeling and rules-based expert systems and serves as the basis for identifying “unusual” transactions or behavior based on the individual user’s pre and post login profile.

· Identify Verification – This feature utilizes the validation engine to evaluate the user’s pre-login profile against the current user login activity. When a user logs into online banking, their current activity will be compared to their user profile. Any user activity that deviates from the user’s historical profile will be scored based on their difference in behavior, with a score of 10 indicating the highest level of difference in behavior based on prior login/session activity. The login and session “difference in behavior” scores will be reported in a daily report, Unusual Login Activity, which can be accessed by your financial institution.

· Dual Authentication – The dual authentication feature allows the institution to require a user to provide additional authentication in addition to entering their access ID and passcode for any level of login behavior – all users, or just users with high difference in behavior scores (as defined by the financial institution). The financial institution can choose to specify that users who are required to provide additional authentication to enter a security Verification answer to further verify their identities and gain access to the system. The system will also generate an Unusual Login Activity report, delivered real time to your institution, when any high risk users are found logging into the system for immediate review and follow-up.

Information We Share with Consumer Reporting Agencies

It is commonplace for financial institutions like NBOH to provide payment information about customer accounts with consumer reporting agencies (credit bureaus). However, if you believe some of the information we have shared or may share is in error, please let us know by writing to: NBOH, ATTN: Compliance Officer, 147 West Water Street, P.O. Box 110, Oak Harbor, Ohio 43449. Simply give us your complete name, current address, phone number and social security number. You will also need to include your account number, type of account, and the specific item in dispute, along with the reason you believe this information has been reported in error. We will do our best to correct any situation to your satisfaction.

Do Not Call Policy

NBOH uses the telephone as one important way to stay in contact with our current and our potential customers in the community. Because a good relationship with our customers is a necessary ingredient of our success, and in keeping with state and federal laws, it is the policy of this bank that we will not make sales-related telephone calls to any person who has indicated a desire not to receive such calls. NBOH retains the right to contact any customer for service-related issues, and does not offer financial or non-financial products and services through “typical telemarketing”.

Amendments and changes

NBOH reserves the right to amend or change this policy at anytime and without notice. For the most current version of this policy, contact our compliance department at (419) 898-5741, (877) 311-8517 [toll free].

Thank You
You are very important to us at NBOH. If you have any questions, or if we can assist you in any way, please do not hesitate to call us at (419) 898-5741 or (877) 311-8517 [toll free].

Children’s Online Privacy Protection Rule (COPPA)

NBOH does not consider our Website to be directed at children less than 13 years old.