Privacy Notice

Facts	What does national bank holdings corporation (“NBH”) 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.
WHY?	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.
WHY?	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 NBH chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does NBH share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your accounts(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes – to offer our products and services to you.	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	Yes	Yes
For affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We Don’t Share

To Limit our Sharing	Mail in the form below
Questions?	Contact 866.217.6361, email privacy@nbhbank.com, or visit www.nbhbank.com
Please note:	If you are a new customer, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Who we are
Who is providing this notice?	The financial companies within the National Bank Holdings Corporation (NBH) family of banks, including Bank of Jackson Hole Trust and NBH Bank, which operates under the following division names: Bank Midwest, Community Banks of Colorado, Hillcrest Bank, Bank of Jackson Hole, NBH Capital Finance, Bank Midwest Mortgage, Community Banks Mortgage, Hillcrest Bank Mortgage and Bank of Jackson Hole Mortgage.

Who we are

Who is providing this notice?

The financial companies within the National Bank Holdings Corporation (NBH) family of banks, including Bank of Jackson Hole Trust and NBH Bank, which operates under the following division names: Bank Midwest, Community Banks of Colorado, Hillcrest Bank, Bank of Jackson Hole, NBH Capital Finance, Bank Midwest Mortgage, Community Banks Mortgage, Hillcrest Bank Mortgage and Bank of Jackson Hole Mortgage.

What we do
How does NBH 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 and secured files and buildings.
How does NBH collect my personal information?	We collect your personal information, for example, when you Open an account, deposit money, pay your bills, apply for a loan, use your credit or debit card. We also collect your personal information from others, such as credit bureaus, affiliates, 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 creditworthiness, Affiliates from using your information to market to you, Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates currently include NBH Bank of Jackson Hole Trust.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. NBH does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other Important Information
Special Notice For State Residents	You may have other privacy protections under applicable state laws. To the extent these state laws apply, we will comply with them when we share information about you.
California Residents	In accordance with California law, we will not share information we collect about California residents with nonaffiliates except as permitted by law, such as with the consent of the customer or to service the customer’s accounts. We will also limit the sharing of information about you with our affiliates to the extent required by applicable California law.
Vermont Residents	In accordance with Vermont law, we will not share information we collect about Vermont residents with nonaffiliates except as permitted by law, such as with the consent of the customer or to service the customer’s accounts. We will not share creditworthiness information about Vermont residents among NBH affiliates except with the authorization or consent of the Vermont resident.

Mail-in Information
Mail to:	NBH Privacy P.O. Box 26396 Kansas City, MO 64196
Mark any/all you want to limit:	Do not share information about my creditworthiness with your affiliates for their everyday business purposes. Do not allow your affiliates to use my personal information to market to me. Name ____________________ Address __________________ City, State ________________ Zip ______________________ Account # ________________

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