Other Information

PRIVACY POLICY NOTICE

	ANNUAL PRIVACY NOTICE   Effective January 1, 2010
FACTS	What does HIGH TRUST BANK do with your Personal Information?
WHY?	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.
WHAT?	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 *Income *Account Balances *Payment History *Credit History *Credit Scores
HOW?	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 High Trust Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your Personal Information:	Does High Trust Bank share?	Can you limit this sharing?
For our every day business purposes- Such as to process your transactions, maintain your account(s), sell your loan to an investor or into a loan participation, respond to court orders, legal investigations, or report to credit bureaus	YES	NO, we do not share
For our internal marketing purposes- To offer our products and services to you	NO, we do not share	N/A
For joint marketing with other financial companies	NO, we do not share	N/A
For our affiliates' everyday business purposes - information about your transactions and experiences	NO, we do not share	N/A
For our affiliates' everyday business purposes - information about your creditworthiness	NO, we do not share	N/A
For our affiliates to market to you	NO, we do not share	N/A
For non-affiliates to market to you	NO, we do not share	N/A
QUESTIONS?	call High Trust Bank's Privacy Officer @ 770-692-2511
WHO WE ARE
Who is providing this Annual Privacy Notice?	HIGH TRUST BANK
WHAT WE DO
How does High Trust 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, secured files, and secured buildings.
How does High Trust Bank collect my personal information?	We collect your personal information, for example, when you: *open an account or deposit money *pay your bills or apply for a loan *use your ATM card/Debit card We also collect your personal information from credit bureaus 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 credit worthiness *affiliates from using your information to market you *sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing
DEFINITIONS
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. High Trust Bank DOES NOT HAVE any affiliates.
Non-Affiliates	Companies NOT related by common ownership or control. They can be financial and non-financial companies. High Trust Bank DOES NOT SHARE with non-affiliates.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. High Trust Bank DOES NOT HAVE and DOES NOT PARTICIPATE IN any formal joint marketing agreements.
OTHER IMPORTANT INFORMATION
Please note: Since High Trust Bank DOES NOT SHARE YOUR PERSONAL INFORMATION with any outside source other than what is described as legal for the purpose of performing our everyday business, YOU, our customer, DO NOT NEED TO "OPT-OUT" for any sharing of personal information. Should you have questions, please refer to the QUESTIONS Section above to contact our Bank's Privacy Officer. We, at High Trust Bank, thank you for your confidence in our valued business relationship.

U.S. PATRIOT ACT

As a result of the Terrorist Attacks on 9/11, the U.S. Patriot Act was enacted to assist the government fight the funding of terrorism and money laundering activities.

What this means for you
Please be aware that Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account and/or applies for a loan.  We will ask for your name, address, date of birth, social security number (TIN) and identification documents that will allow us to properly identify you.