Oak Hill Financial Insurance Privacy Notice

As a valued customer, we are committed to protecting your privacy by handling your personal information in a secure and confidential manner. Please review this privacy notice to better understand how we handle and protect the personal information about you that we collect and may disclose.

We will first define some terms:

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, or 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.

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, our affiliates, or others; and information we receive from a consumer reporting agency.

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 standards to guard your nonpublic personal information.

Federal law allows us to disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Federal law allows us to disclose information about your transactions and experience with us, such as name and address, to our affiliates, which are comprised of financial service providers such as commercial banks, investment companies and community development companies. We will not disclose any other nonpublic personal information about you to our affiliates, unless you have given us permission to do so.

We will not disclose nonpublic personal information about our customers or former customers to anyone, except as disclosed in this policy or as permitted by law.

The effective date of this notice is December, 2005.