Hilltop Community Bank's Web Site
Privacy Policy Notice
Protecting your privacy is important to Hilltop Community Bank. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information.

What Information We Collect
We may collect "nonpublic personal information" about you from the following sources:

• Information we receive from you on applications or other loan and account forms;
• Information about your transactions with us or others; and
• Information we receive from third parties such as credit bureaus.
• Information you provide to us online when you apply or enroll in any of our accounts or services, online banking services, bill payment services, when you use any of our online planners or financial tools, or when you send us email. Email is not encrypted, please do not send confidential information via e-mail.

"Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

What Information We Disclose
A. We may disclose nonpublic personal information about you to "nonaffiliated third parties" for purposes of providing expanded banking and financial services to you (i.e., third parties that are not members of our corporate family).

• Financial service providers, such as mortgage bankers, securities broker-dealers and insurance agents;
• Non-financial companies, such as retailers, direct marketers, airlines and publishers; and
• Others, such as non-profit organizations.

This information may include:

• Information we receive from you on applications or other loan and account forms, such as your name, address, social security number, assets and income;
• Information about your transactions with us or others, such as your account balance, payment history, parties to transactions, and credit card usage; and
• Information we receive from credit bureaus, such as your creditworthiness and your payment history.

If you prefer that we not disclose nonpublic personal information about you to such nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may complete the attached Opt Out form simply by clicking on the Opt Out Icon and mailing it to the address noted on the Opt Out form.

B. In addition, we may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing arrangements:

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income;
• Information about transactions with us or others, such as your account balance, payment history, parties to transactions and credit card usage; and
• Information we receive from credit bureaus, such as your creditworthiness and your payment history.
  

C. We also are permitted under law to disclose nonpublic personal information about you to "nonaffiliated third parties" in certain other circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus.

D. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures
We also take steps to safeguard customer information. We restrict access to your personal and account information 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.