Privacy Notice

FACTS	WHAT DOES CHRISTIANA BANK & TRUST ("CHRISTIANA") 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 and income account balances and payment history credit history and 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 National Penn chooses to share; and whether you can limit this sharing.

Who We Are

Who is providing this notice?

Our affiliates include companies with a common
corporate identity under the National Penn family:

National Penn Bancshares, Inc., affiliates

National Penn Bank and divisions
- HomeTowne Heritage Bank
- KNBT
- Nittany Bank
Christiana Bank & Trust Company and subsidiaries
- Christiana Corporate Services, Inc. and subsidiary
  - Monarch Management Services, LLC
- Christiana Trust Company, LLC
- CBTD, LLC
- Christiana OREO, LLC
National Penn Life Insurance Co.
National Penn Investment Company

National Penn Bank, Affiliates

National Penn Wealth Management, N.A. and its division
- National Penn Investors Trust Company
National Penn Investment Services
Institutional Advisors, LLC
National Penn Capital Advisors, Inc. and division
- RESOURCES for Retirement, Inc.
National Penn Insurance Services Group, Inc. and its division and subsidiary, respectively: *
- Higgins Insurance
- Caruso Benefits Group, Inc.
National Penn Leasing Company **
KNBT Settlement Services, LLC
Link Financial Services, Inc. and its Subsidiary
- Link Abstract, LP
DFM Realty, Inc.
National Penn Management Services, LLC
NPB Delaware, Inc.

* Your account may be with an insurance company that is serviced through National Penn Insurance Agency.
** Inactive subsidiary as of November 2009.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies such as: Mortgage companies, insurance companies, direct marketing companies, and nonprofit organizations.
Joint Marketing Agreements	A formal agreement between non-affiliated financial companies that together market financial products or services to you such as: Joint marketing companies that sell specific products or services such as ValuePlus benefits, credit card companies, insurance carriers, retail merchant service providers and direct marketing companies.

Reasons we can share your personal information	Does Christiana share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes, to complete transactions, or as required by law	No
For our marketing purposes— to offer our products and services to you	Yes	Yes, with Opt-Out
For joint marketing with other financial companies	Yes	Yes, with Opt-Out
For our affiliates’ everyday business purposes— information about your transactions and experiences	Yes	Yes, with Opt-Out
For our affiliates’ everyday business purposes— information about your creditworthiness	No	No - We don't share, unless requested by customer
For our affiliates to market to you	Yes	Yes, with Opt-Out
For non-affiliates to market to you	Yes	Yes, with Opt-Out

What we do
How does Christiana 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. If you discover inaccuracies, notify us immediately (see: “To limit our sharing”). We will investigate fully and promptly.
How does Christiana 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 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 non-affiliates 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 will apply to everyone on your account (in the case of insurance, everyone on the policy) – unless you tell us otherwise.
Other important information
For important information concerning our online privacy practices, see our online Terms of Use Disclosure located on our web sites. You may have other privacy protections under state laws, such as California, Massachusetts, Nevada or Vermont or others. To the extent these state laws apply, we will comply with them with regard to our information security practices.