Hilltop Investor Relations Material

Hilltop Holdings Inc. provides commercial and consumer banking services, including business and personal loans, mortgages, and home equity line of credit. Its products include deposit accounts and related services, such as interest-bearing checking accounts, noninterest-bearing checking accounts, and demand deposits. The company also offers programs to manage credit risk for its loan portfolio; funds various asset-based lending activities; offers real estate loans to commercial customers in the form of secured and unsecured lines of credit using first trust deeds as collateral; operates as a broker dealer that provides advisory services to institutional clients related to fixed-income securities; secures residential mortgage loans on behalf of consumers through mortgage brokers and direct marketing channels; and originates residential mortgage loans through its own sales force. In addition, it accepts demand deposits from local governments through the Federal Home Loan Bank (FHLB) system.