When you open an account with HTC, we collect non-public personal information about you for business purposes, such as processing your requests and transactions, informing you about educational and other services that may be of interest to you, and providing superior customer service. Some of the information we collect may include any of the following:

• Information you provide to us on applications and other forms, such as your name, address, date of birth, social security number, occupation, assets, and income;
• Information about your transactions with us; and,
• Information you provide to us to verify your identity, such as a government-issued ID, passport, or other information received from third-party entities not affiliated with HTC.

We limit access to your non-public personal information to those HTC employees who need to know in order to conduct our business, service your account, and help you achieve your financial objectives. Our employees are required to maintain and protect the confidentiality of your non-public personal information and must follow established procedures in order to do so. We maintain physical and procedural safeguards to protect your non-public personal information. We do not rent or sell your name or non-public personal information to anyone. HTC does not disclose any non-public personal information about our customers or former customers to anyone.

In order to support the products and services we provide to you, we may share the information described above with third-party service providers and joint marketers not affiliated with us, including, but not limited to:

• Companies under contract to perform services for us or on our behalf, such as vendors that prepare and mail statements and transaction confirmations or provide data processing, computer software maintenance and development, transaction processing and marketing services.

These companies, acting specifically as instructed and on our behalf, are required to keep your non-public personal information confidential.

In addition, we may disclose information to cooperate with regulatory authorities and law enforcement agencies to comply with subpoenas or other official requests, and as necessary to protect our rights or property.

We strive to keep our customer files complete and accurate and in doing so, provide you reasonable access to any and all information we collect. Most of this information is contained in the account statements that you receive from us. We encourage you to review this information and notify us if you believe any information should be corrected or updated. If you have a question or concern about your non-public personal information or this privacy notice, please contact your HTC representative.