NOTICE OF YOUR
FINANCIAL PRIVACY RIGHTS

This is our privacy notice for our customers. When 
we use the words "you" and "your" we mean the
following types of customers:

• All of our consumer customers who have a
  continuing relationship with us, such as
  
• Deposit account
• Loan account
• Credit card
• Safe deposit box
• Retail installment contract we hold and
  service

We will tell you the sources for nonpublic personal
information we collect on our customers. We will tell
you what measures we take to secure that information.

We first define some terms.

       We, our, and us means Highlands Union Bank.

       Nonpublic personal information means
      information about you that we collect in
      connection with providing a financial product or
      service to you. Nonpublic personal information
      does not include information that is available from
      public sources, such as telephone directories or
      government records.

      An affiliate is a company we own or control, a
      company that owns or controls us, and a 
      company that is owned or controlled by the same
      company that owns or controls us. Ownership
      does not mean complete ownership, but means
      owning enough to have control.

      A nonaffiliated third party is a company that is
      not an affiliate of ours.

THE INFORMATION THAT 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 transactions with us
• Information about your transactions with
  nonaffiliated third parties
• Information from a consumer reporting agency

We do not disclose any nonpublic personal information about you to anyone, 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.
We maintain physical, electronic, and procedural
safeguards that comply with federal regulations to
guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION
AND NONAFFILIATED THIRD PARTIES

Since we value our customer relationship with you,
we will not disclose your nonpublic personal
information to nonaffiliated third parties, except as
permitted by law.

NONPUBLIC PERSONAL INFORMATION
AND FORMER CUSTOMERS

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

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other
financial institutions with whom we have joint
marketing agreements:

• Nonpublic personal information we receive from
  you on an application or other forms, such as
• Name
• Address
• Social security number
• Assets
• Income
• Nonpublic personal information about your
  transactions with us, such as
• Account balances
• Credit card usage
• Payment history
• Parties to the transaction

Federal law allows us to disclose the information listed
above with the other financial institutions with whom we
have joint marketing agreements. You do not have a
right to opt out of the disclosure of this information. We
may also disclose nonpublic personal information about
you to nonaffiliated third parties as permitted by law.

Types of Businesses. Here are the types of
businesses with whom we may disclose nonpublic
personal information under this section

• Financial service providers, such as
• Insurance agents
• Security brokers-dealers
• Mortgage Title Insurance Companies