BANK OF THE HILLS, N.A.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

At Bank of the Hills, the basis of each customer relationship is trust. You have chosen to do business with Bank of the Hills, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

RECOGNITION OF YOUR EXPECTATION OF PRIVACY

We recognize that you have a right to expect your personal financial information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all times.

THE INFORMATION THAT WE COLLECT

We collect nonpublic personal information about you from the following sources:

• Information that we receive directly from you, on new account contracts, loan applications, and other bank forms
• Information about your transactions with us that is developed as a function of providing a product or service to you
• Information from outside sources, such as other banks or consumer reporting agencies, for the purpose of determining creditworthiness or credit history.

We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to our customers. We will use this information only in accordance with the principles set out in this Policy.

RESTRICTIONS ON THE DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION

We do not disclose specific information about your accounts or other nonpublic personal information to unaffiliated third parties for their independent use unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non-Bank of the Hills companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

When we do provide customer information to a third party (as specified above and/or permitted by law), we will insist - through a written agreement - that the third party maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

We do not disclose nonpublic personal information about former customers, except as permitted by law.

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. Our employees are educated on the importance of maintaining the confidentiality of customer information and on this Privacy Policy. Because of the importance of these issues, all Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these privacy principles will be subject to disciplinary measures.

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect our customer information. We maintain and grant access to customer information only in accordance with our internal security standards.

We continually strive to maintain complete and accurate information about you and your accounts with us. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

PROVIDING PRIVACY INFORMATION TO OUR CUSTOMERS AND RESPONDING TO YOUR INQUIRIES

At Bank of the Hills, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how we protect your confidential information, please call us at any of the locations listed on our Contact Us page.

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