Momentum - Fourth Quarter 2018

A Hilltop Holdings Publication

National Lloyds

Hurricane Response: Weathering the Storm National Lloyds Catastrophic Weather Disaster Recovery

4th Quarter 2018

MOMENTUM

Key Steps: • Securing additional independent adjuster firms to augment inhouse team in anticipation of increased number of claims • Preparing operations and claims departments for largevolume claim management The series of devastating storms that struck the U.S. in 2017 and 2018 was a stark reminder of how important it is to plan ahead. As a property and casualty insurance provider, National Lloyds knows that hurricane season brings with it a special set of circumstances requiring preparation, vigilance, and response for policyholders living along the U.S. eastern and gulf coasts. Prior to a storm making landfall, there is plenty for an insurance company to do on the front end to help speed up the recovery process in the days immediately following. “Preparing and protecting people and their property is an act of good stewardship,” said Paul Boswell, National Lloyds senior vice president in charge of claims. “Solid preparation and response can reduce the possibility of compounding an already difficult situation, saving valuable resources and enabling the company to respond to customers more quickly.” Hurricanes Harvey, Irma, and Michael had the combined potential to impact nearly 30,000 National Lloyds policyholders in Texas and Georgia, the equivalent of nearly 15 percent

of the company’s total policy portfolio. In each case, National Lloyds wasted no time implementing its extensive disaster recovery plan. The sustainability of an insurance company hinges on how well it manages emergency responses to natural disasters. Seven decades of fine-tuning its operations system and investing in technology has has equipped National Lloyds to respond to large-scale catastrophes. Further, the backing of Hilltop Holdings ensures National Lloyds has enough capital and reinsurance to pay catastrophic hurricane losses. “Our reputation is interwoven with how well we prepare and respond to the needs of our policyholders and agents,” says Boswell. “Customers fully expect that the insurance company they entrust to protect their homes will be there during their time of need, and that we’ll do everything possible to protect them throughout the entire post-storm process. Our focus is on delivering on that promise.”

• Increasing call center capabilities and, if necessary, establishing an emergency operations and response center that can be deployed to critically-impacted areas • Configuring IT network to support the increased workflow, including phone systems and the added processing of claims reports and reimbursement checks • Confirming the claims reporting process with the company’s agent network working on behalf of policyholders • Monitoring regulatory reporting through the applicable Departments of Insurance • Preparing employees outside of the claims department to assist in a large-scale event

IN THIS ISSUE

...and more

PrimeLending

PrimeLending Alaska – Two Years Later In 2016, PrimeLending broke new ground when it entered the Alaska real estate market. With the opening of its flagship office in Anchorage, PrimeLending made significant progress toward its goal of expanding its presence in the Pacific Northwest, introducing Alaskan homeowners to its superior line of mortgage products and award-winning service. Two years later, PrimeLending continues to grow its footprint in The Last Frontier state. The opening of PrimeLending’s midtown Anchorage location was followed by the addition of a satellite branch in the burgeoning neighboring community of Wasilla, located approximately 40 miles from Anchorage.

Great Work This Year! We end 2018 as a stronger, more straightforward company, better organized to serve our customers and clients and better positioned to earn the returns our shareholders expect. We are moving forward on our course to build a premier, diversified financial services firm, providing our customers and clients with the best service and most comprehensive financial solutions in the market. Simply put, we strive to do more for people, companies, and institutional investors than any other financial services company, and day after day we are proving it in the marketplace. As we prepare to celebrate the holiday season with family and friends and kick-off the start of another busy year, we are reminded of all the personal and professional accomplishments…and blessings…for which we are grateful. In that spirit of gratitude, we would like to share some of the things for which we're thankful for. First, there are the “tech thanks”—that we live in an era with technology and information advancements that enable us to turn ideas into reality faster than ever before. PrimeLending’s cloud-based loan origination system by Blue Sage, and PlainsCapital’s new multi-channel application tool, Terafina, are just two examples highlighted in this issue of Momentum. We’re also thankful for the colleagues and clients we consider friends and for a corporate environment where, in the midst of hard work, we can realize those moments of fun. On the following pages, you’ll read about some of the ways our Hilltop family bands together in support of one another and worthwhile causes—and the customers who join us in these efforts. We are intently focused on creating connections between our companies and our customers. We also realize how important it is to bring charitable organizations into the mix, and support them in creating awareness of their causes. Thankfully, we can assist these organizations in relevant ways to help them achieve the community engagement they desperately need. To our more than 5,400 dedicated employees across the country, we appreciate all of your great work this year. It is because of you, and because we know we can do so much more for our customers and communities than anyone else, that we have such great confidence in our future. Happy holidays, and let’s go all out in 2019!

Jeremy B. Ford Co-CEO and President

Alan B. White Co-CEO and Vice Chairman

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“In a market where companies from the lower 48 states often have significant challenges in establishing a sustainable presence, PrimeLending has succeeded in being in the top 10 for market share among mortgage lenders,” said Kelly Lee, PrimeLending’s Pacific Northwest regional manager.

PrimeLending's Anchorage office

According to Lee, PrimeLending has assisted nearly 700 families with their home financing needs, funding more than $193 million in mortgages to date and steadily earning the trust of Alaska home buyers in the process. PrimeLending is also building a reputation as a valuable member of the Anchorage and Wasilla communities, through the jobs it provides and

the leadership role it has assumed, thanks to the efforts of passionate team members. “Our growth and success in Anchorage and the surrounding areas can be credited to the seasoned, veteran mortgage professionals who have joined us, enabling PrimeLending to make these amazing strides,” said Lee.

Executives Earn Housingwire Award Housingwire magazine named its 2018 Insiders Award recipients, and three PrimeLending officers were included among this year’s list: Jami Haddad, national postclosing and audit operations manager; Kimberly Hartsough, national production operations manager; and Jennifer Ward, national closing manager. Now in its third year, Housingwire’s Insiders Award program recognizes difference-makers in the mortgage industry, operational all stars who serve their companies in outstanding ways.

engineering one of the most comprehensive and effective operations training programs in the industry. Partnering with PrimeLending’s award-winning training department, she created a specially-designed program where performance and professional fulfillment go hand-in-hand. Jami Haddad National Post-Closing and Audit Operations Manager

An 18-year veteran of the mortgage industry, Haddad was recognized for her compliance expertise, leadership skills, and attention to

Kim Hartsough National Production Operations Manager

Jennifer Ward National Closing Manager

detail—all of which played a critical role in ensuring 60,000 origination transactions were executed over the last year. Hartsough’s 17 years of operations, leadership, and sales experience were put to work

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Ward was recognized for her role supporting PrimeLending’s 1,200plus lending officers, ensuring the company’s national book of loan originations closed and funded on time last year. With 13 years of industry experience to her credit, Ward’s closing team achieved an 85 percent pull-through rate of locked to funded loans last year, resulting in a 96 percent customer satisfaction rating.

HilltopSecurities

PrimeLending

New LOS Key to Navigating Digital Mortgage Ecosystem It used to be that a loan officer initiated a mortgage application by hand. Following the application being manually reviewed and approved by an underwriter, the loan officer would prepare the mortgage documents and secure a closing date with the title company. What was a straightforward, linear process has grown more complex over the years with more players and steps involved—many happening at the same time. In today’s highly regulated environment, mortgage lenders are responsible for managing a vast ecosystem of simultaneously moving parts, complex data, and hundreds of active compliance regulations. The good news is that, in an increasingly digital world, technology can provide the tools and pathways to make operational control more manageable. PrimeLending’s new cloudbased loan origination system (LOS) developed by Blue Sage, is a single seamless platform equipped for addressing the company’s operational management and delivery needs

with automation and efficiencies that our legacy system simply doesn’t have. We can offload the cost for lenders by managing the process so they can shift their focus to strategic business goals and servicing the customer.”

in a manner better suited for today’s digital lending environment. The process of originating, underwriting, and closing a mortgage involves balancing a myriad of siloed systems—from credit, fraud, and insurance to underwriting authorizations and compliance requirements. PrimeLending’s Chief Information Officer Tim Elkins says Blue Sage’s robust design makes it easier for all of these different systems to interact with one another. “Ultimately, it’s going to be a lot faster,” said Elkins. “We’re talking about a modern loan origination system built on modern technology

The value of the new LOS is not simply in speed, efficiency, and enhanced customer experience but also in the opportunities it presents. Adopting a cloud-forward approach makes it easier for PrimeLending to deploy new products and services designed to support digital offerings to meet evolving customer and industry demands. Furthermore, investing in a new, state-of-the-art, comprehensive LOS demonstrates the company’s commitment to improving internal processes and data quality. Elkins says a measured, nationwide roll-out of the new LOS will begin this summer with a targeted completion date set for the first quarter of 2020.

HilltopSecurities Chairman Hill A. Feinberg (l) introduces new President and CEO M. Brad Winges (r).

On Dec. 12, 2018, Hilltop Holdings announced M. Bradley Winges is joining its broker-dealer subsidiary, HilltopSecurities, as president and chief executive officer, effective Feb. 20, 2019. Winges will succeed current HilltopSecurities CEO Hill A. Feinberg, who will remain in his role as chairman of the Firm.

Hurricane Relief Efforts Two months have passed since Hurricanes Florence and Michael battered North Carolina and Florida, respectively, with catastrophic flooding, storm surges, and damaging winds. In the midst of the disasters came an outpouring of community response: people working together to assist in the recovery and clean-up efforts and help provide aid to those who had lost so much. Among those responders were PrimeLending’s North Carolina and Florida Emerald Coast teams who sprang into action to help in a time of need. In the days that followed Florence’s wrath, PrimeLending employees partnered with members of the local Keller Williams Realty office in Wilmington, N.C., to help homeowners in flooded areas clear out their damaged properties. Meanwhile in Florida, PrimeLending’s Emerald Coast branches were busy providing relief and aid to the Pensacola and Fort Walton communities hard hit by Michael.

Industry Veteran to Lead HilltopSecurities

“Brad is an exceptional securities industry leader whose talents and extensive experience directly align with the strategic goals, business mix and culture of HilltopSecurities,” said Hilltop Holdings’ Co-CEO and President Jeremy B. Ford. “Hill was instrumental in Brad’s selection as his CEO successor, and we are fortunate to have his continued support and guidance as HilltopSecurities chairman as we move forward.” Feinberg has led HilltopSecurities as chairman and CEO since January 2016, and he had served as chairman and CEO of HilltopSecurities’ legacy company, FirstSouthwest, since 1991. PrimeLending team members volunteer their time helping clear out houses that were flooded during Hurricane Florence.

“It was humbling to see all of our volunteers working with other businesses and community members to support one another,” said Karen Blakeslee, PrimeLending executive vice president and East division manager. “Despite being in the

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path of the storms themselves, our PrimeLending folks set about helping those who had been impacted, from coordinating supply drives and delivering hundreds of meals to grabbing chainsaws to help clear away debris.

“I have known Brad for several years and I am proud to welcome him as President and CEO of HilltopSecurities,” Feinberg said. “Brad’s addition marks a significant milestone in the growth of our firm and I look forward to working with him as we continue to advance our business in key markets across the country.”

“With its diverse mix of complementary business lines and deep roots in the municipal market, HilltopSecurities represents a compelling opportunity,” Winges said. “I have great respect for the history and culture of the firm, and I look forward to relocating to Dallas to lead such a strong organization.”

ABOUT BRAD WINGES 30 YEARS INDUSTRY EXPERIENCE TWO-TERM PAST CHAIRMAN OF BOND DEALERS OF AMERICA MEMBER OF SEC'S FIXED INCOME MARKET STRUCTURE COMMITTEE

Winges brings three decades of experience to his role at HilltopSecurities, primarily at Piper Jaffray where he was senior executive managing director. During his time at the company, he served as a member of the leadership team, head of fixed income services and firm investments and trading, president

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of Piper Jaffray Investment Management, and head of municipal sales and trading, among other roles. He has also led the firm’s risk management efforts and balance sheet investing and funding. Early in his career while at the Chicago Mercantile Exchange, he was one of the youngest futures and licensed seat exchange traders in the United States. Winges is a past two-term chairman of the Bond Dealers of America (BDA) board of directors and currently serves on the board’s executive committee and as co-chair of the BDA’s fixed income market structure committee. He is a founding member of the American Securities Association and was appointed to the Securities and Exchange Commission’s fixed income market structure committee earlier this year. He earned a bachelor of science in economics and finance from the University of Wisconsin – Madison. “We are extremely proud to attract such an accomplished and talented executive to our organization,” said Hilltop Holdings’ Co-CEO and Vice Chairman Alan B. White. “Brad’s decision to join our firm speaks very highly of HilltopSecurities’ strength and strategic position.”

PlainsCapital Bank

HilltopSecurities

Building Better Mortgage Investing

Linda Irby Named Human Resources Professional of the Year

Homeownership is the American dream. Financing the purchase of a home through a mortgage is a big part of making that dream possible. But all mortgage loans have to be funded on the back end, and that presents investment opportunities.

Linda Irby, executive vice president and chief human resources officer at PlainsCapital Bank, was recently named the Human Resources Professional of the Year by the North Dallas Chamber of Commerce. Out of a field of 28 nominees, Linda was named one of three finalists prior to receiving the award on Nov. 15.

Financial institutions generally serve as intermediaries between homebuyers seeking to finance the purchase of a home and investors willing to lend for a return on their money. In order to create a sufficient market for the loans, mortgage originators submit certain mortgage loans to government sponsored entities, like Freddie Mac and Fannie Mae, who in turn guarantee and pool the loans into mortgagebacked securities (MBS). Originators, like PrimeLending, then sell these Agency MBS pools to investors on the secondary market. The mortgage securities market is crucial to the availability and affordability of housing in the U.S. It’s also complex. HilltopSecurities’ Capital Markets business specializes in navigating the mortgage securities landscape to meet the needs of sophisticated institutional investors.

Mortgage Investing 101 Agency MBS hold broad appeal for many investors. They are explicitly or implicitly guaranteed by the U.S. government, so they have very little credit risk, and they generate cash flow on a regular basis, from the monthly mortgage payments being passed through to investors. They also offer an attractive yield relative to other comparable securities investments. Because Agency MBS can be vulnerable to outside factors impacting the life of the investment, such as homeowners paying off their mortgages sooner than expected from selling or refinancing their homes, investors are compensated for the risk with a higher rate of return for the use of their money. However, some investors desire more structured instruments with greater principal and cash flow certainty built into them. Referred to as collateralized mortgage obligations (CMO), CMOs are pools of MBS that have been packaged into new securities structured according to different risk classes and payment streams. For investors who need and are willing to pay up for a more structured product, the ability to offer a CMO

“This award is well deserved and very impressive considering the other nominees and their employers,” said PlainsCapital President & CEO Jerry Schaffner. “I know all of us at PlainsCapital take a great deal of pride in working with a true professional like Linda.” The North Dallas Chamber grants the award each year to recognize HR professionals in the D-FW area who have made significant contributions to their organizations over the past year. "I am honored to have been nominated and to have been selected for the award," Linda said. "It's a real joy to work with my HR team along with other colleagues and leaders each day in pursuit of the goals of the Bank and Hilltop Holdings."

Ken Friedrich, HilltopSecurities Senior Managing Director and Head of Fixed Income Capital Markets and Chris Belhumeur, Head of Securitized Products for HilltopSecurities

security with characteristics that more closely match their specific investment objectives is a value add.

The HilltopSecurities Difference “The CMOs issued by HilltopSecurities are backed by Agency MBS pools issued and distributed by the Firm’s Structured Finance business,” said Chris Belhumeur, head of securitized products for the Firm. “Because of this, we can provide added insight and data to our customers that no one else can.” Along with managing HilltopSecurities’ Securitized Products sales and trading team, which is charged with buying, selling, and trading MBS for investors, Belhumeur oversees the development and management of HilltopSecurities’ CMO business. With more than 20 years of industry experience, Belhumeur was brought on board in March 2018 to elevate HilltopSecurities’ mortgage-backed business capabilities, offering a full range of MBS sales, structuring, and trading services to clients. He previously served as co-head of securities trading and distribution for RBC Capital Markets. Prior to that, Belhumeur oversaw mortgage-backed securities and asset-backed securities trading

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for MF Global and co-headed the Agency MBS desk at Jefferies. He reports to Ken Friedrich, HilltopSecurities senior managing director and head of fixed income capital markets. “HilltopSecurities is an organization with considerable mortgage DNA, and Chris really builds on that strength,” said Friedrich. “His depth of expertise and exceptional industry reputation make him a great fit with our core group of securitized products professionals as we grow our Securitized Products sales, trading, and structuring practice,” According to Friedrich, having unique financial products that HilltopSecurities structures and originates combined with the ability to build a sales and trading effort that supports them is a brand differentiator for the Firm. “Dealers need to serve investors in ways that are distinct and relevant to their long-term goals,” said Friedrich. “As the industry leader in the origination, distribution, and structuring of HFA collateral, HilltopSecurities is uniquely positioned in the marketplace and our message is resonating with institutional investors.”

Linda Irby, Executive Vice President and Chief Human Resource Officer, PlainsCapital Bank

Embracing Multi-channel Approach to Banking Imagine initiating a loan application on your home computer, depositing a check with remote check deposit capture via your smartphone, or opening a new bank account including completing the signature requirements using your mobile tablet device. These types of transactions are becoming increasingly typical for today’s digitally empowered consumers looking to choose when and how they conduct their banking transactions, all while expecting the customer experience to be delivered as seamlessly and ubiquitously as any transaction they would complete on Amazon. To better serve the 21st century needs of today’s banking customers, PlainsCapital has invested in a new multi-channel sales platform, Terafina, to create a more unified, high-touch service experience.

(bank branch) or digital channel they prefer to conduct bank transactions, whenever and wherever they please,” said Adkins. Integrated with PlainsCapital’s core banking system, the Terafina application provides significant visibility as to where a customer is in the sales process, giving employees cross-channel, real-time customer insights and intelligence that are incredibly effective in improving operations efficiencies. It also better serves customers who might start, stop, reactivate, and complete sales or service transactions using multiple channels.

Most PlainsCapital customers interact with the Bank through a variety of channels, including branches, call centers, mobile devices, and PCs. Historically, these approaches have been made in silos limiting sharing of information says Matt Adkins, chief of retail banking services for PlainsCapital Bank. “The new Terafina application allows us to begin implementing a phased multi-channel strategy, incorporating cloud-based technology that supports customers using whatever physical

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Adkins says the decision to go with Californiabased Terafina to create PlainsCapital’s new multi-channel sales strategy came down to the great partnership Terafina provides combined with their "been there, done that" credibility. “Terafina’s leadership team is comprised of banking industry and IT experts experienced in building direct-to-consumer and digital distribution channels,” said Adkins. “They’ve seen what works and what doesn’t, and they brought that knowledge base to the table in order to help us leapfrog ahead in this vital space.”

HilltopSecurities

PlainsCapital Bank

NY Event Spotlights Stock Loan Business

Transforming Small Business Lending

HilltopSecurities’ Stock Loan business hosted an appreciation reception for clients in New York City on Oct. 17, with more than 145 guests representing nearly 50 firms attending.

Small businesses are an important economic driver for the Texas economy, with more than 2.2 million calling the Lone Star State home. As one of the leading commercial banks in the state, PlainsCapital has uniquely positioned itself to maximize the opportunities small business financing offers through its industry-leading Small Business Administration (SBA) lending program.

Based in Matawan, NJ, Securities Lending —or Stock Loan—is a targeted business line for HilltopSecurities that is driven by strong relationships and a commitment to service. The October reception offered an opportunity for the firm to thank clients in the New York City area and provide them with a chance to learn more about HilltopSecurities and Hilltop Holdings. It was held at the Press Lounge, located on the rooftop of the Ink48 hotel on the west side of Manhattan.

According to Mike Litton, PlainsCapital Bank’s director of SBA lending, SBA loans offer an important financing resource for borrowers who may not qualify for conventional business or commercial loans. “There is a vital need for business credit, and SBA loans can be a valuable solution,” said Litton. As a designated SBA Preferred Lender, PlainsCapital has championed the cause of small businesses in Texas for more than 30 years to the tune of more than $250 million in loans. The Preferred Lender distinction is bestowed on the SBA’s most experienced lending partners, streamlining the financing process by granting the authority to make final credit decisions on most SBA-guaranteed loans without submitting them for review and approval, empowering the Bank with the ability to authorize its own SBA loans.

Pictured l-r: William Manger, U.S. Small Business Administration associate administrator for the Office of Capital Access; Mike Litton, PlainsCapital Bank director of SBA Lending; Herbert Austin, SBA Dallas/Ft. Worth district office director; Greg Dunn, North Texas Association of Government Guaranteed Lenders president

Not only does PlainsCapital have designated SBA lending specialists located in each of its markets, they carry the added distinction of being commercial lenders, which is notably unique in the banking industry. PlainsCapital’s SBA specialists are not only experienced in the particulars of the SBA application process and myriad of financing options, they are equipped to assist SBA customers with other banking needs, including treasury management, to help grow

their businesses to the next level. For PlainsCapital, SBA lending is more than just putting people in business; it's about building a relationship with a commercial banker in the process. We’ve fashioned a positive, welcoming atmosphere for small businesses designed to support the growth of their dreams.

The client firms in attendance ranged from some

New Roles Strengthen Dallas Market Leadership Positioning itself for continued growth in the Dallas market, PlainsCapital Bank recently announced the promotion of four senior banking officers to key leadership roles. In his newly appointed position as Dallas region chairman, Brent Raindl, who most recently served as Dallas market president, will focus on optimizing PlainsCapital’s commercial banking relationships. Jerry Sanders, formerly president of the Bank's DeSoto location, will now oversee PlainsCapital's Preston Center branch. Previously with the Turtle Creek location, Chris DeFrancisco will lead the Gaston branch, located next to Baylor Medical Center, and oversee the lending team as executive vice president. Brett Butler, who

was recently promoted from senior vice president to executive vice president, joins the Frisco Legacy branch from the Preston

Jerry Sanders President Preston Center

Brent Raindl Dallas Region Chairman

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Joining the Stock Loan team at the event was Hilltop Holdings Co-CEO and Vice Chairman Alan B. White, along with HilltopSecurities Chairman and CEO Hill Feinberg. Other HilltopSecurities leadership from Dallas who attended the reception included Chief Administrative Officer John Muschalek, Managing Director and Head of Clearing Services Lana Calton, Managing Director of Operations John Oleon, and Managing Director of Products and Solutions Anton Berends. Hilltop’s Mo the Buffalo mascot was also on hand to mingle and take photos with the guests.

Center location, where he wil be responsible for growing the commercial lending practice.

Chris DeFrancisco EVP, Lending Gaston

Brett Butler EVP, Lending Frisco Legacy

HilltopSecurities Chairman Hill A. Feinberg (l) and members of the Firm's Securities Lending and Clearing businesses at the New York Stock Loan reception

of the largest financial companies on Wall Street to smaller regional and boutique firms, including counterparties and clearing correspondents. Guests expressed their appreciation for the

recognition and were especially grateful that Alan White, Hill Feinberg, and other leadership took the time to attend and meet with them.

Oleon Named Director of Operations HilltopSecurities recently named John G. Oleon managing director of operations, overseeing the firm’s operations department from its Dallas headquarters. With more than three decades of experience in the financial services industry, Oleon has established a strong background in the development and implementation of technology initiatives.

“We are extremely pleased to welcome John to HilltopSecurities during this exciting time in the growth of our firm,” said HilltopSecurities Chief Administrative Officer John Muschalek. "We continue to invest in technology, applications and personnel to support our growth. Adding someone of John's caliber is just another example of HilltopSecurities investing for the future."

He joined HilltopSecurities from Fidelity Investments where he led Fidelity’s international operations and network management department. He has also held positions with Jefferies and Co., Knight Equity Markets, and Banc of America Securities, among others. Oleon began his career with Bear Stearns.

Oleon is a former president of the Securities Industry and Financial Markets Association’s (SIFMA) Securities Operations Section. He has also served as a member of SIFMA’s Cross Border Executive Committee and is a graduate of SIFMA’s Securities Industry Institute at Wharton. Oleon earned a bachelor’s degree in business management from Strayer University.

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John G. Oleon Director of Operations HilltopSecurities

ON THE COVER

'Tis the Season for Giving Back Salvation Army D-FW Area Commander Maj. Jonathan Rich (r) and Haynes and Boone Partner Sue Murphy join in the Dallas Angel Tree festivities hosted by PlainsCapital Bank Victory Park and its President J.J. Gomez (l).

The holiday season offers the perfect opportunity for our Hilltop companies to give back to their communities. Some focus on providing basic necessities like food and clothing, while others pledge support for youth and family services programs or work to honor veterans. No matter what the cause, initiatives that emphasize generosity and charity are ubiquitous. Hilltop’s family of companies have a rich history of advocating for causes they care about, ensuring they receive the support they need. Here are a few examples of how our Hilltop organization harnesses the holidays as a platform for giving.

National Lloyds

Walking a mile in someone’s shoes takes on a much different meaning when that person is homeless. For homeless children, overcoming the lifelong social, emotional, and educational deficits of homelessness is a critical need. Since 2014, Dallas-based National Lloyds has been working to meet this need by partnering with Vogel Alcove, a Dallasbased nonprofit that provides therapeutic and educational programs, family support, and health services for homeless children. Employees have coordinated clothing drives on behalf of the organization, as well as provided snack bags for the kids to take with them when they leave the facility each day. This year marks the fourth year National Lloyds has participated in Vogel Alcove’s annual holiday toy drive.

HilltopSecurities PlainsCapital Bank Branch Managers Angela Aceves and Annie Rios help deliver Thanksgiving meals to families in the Rio Grande Valley as part of the “Edinburg Cares” Holiday Food Drive.

For HilltopSecurities, giving back is a year-round activity. Employees volunteer their time participating in heritage campaigns HilltopSecurities has committed to year after year, like Children’s Health's annual Red Balloon Run and Ride and Carry the Load’s national rallies and Memorial Day events honoring veterans and heroes. Since 2015, HilltopSecurities has been a national sponsor of the U.S. Marine Corps Reserve’s Holiday Toys for Tots program, collecting toys and gifts at HilltopSecurities offices across the country to help millions of less fortunate children enjoy the magic of the holidays.

PrimeLending

PlainsCapital San Antonio volunteers pose with Santa at The Children’s Bereavement Center’s annual Christmas party hosted by the Bank.

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PrimeLending’s nationwide network of more than 300 branches supports a number of national community service campaigns yearround with organizations like Make-A-Wish and Habitat for Humanity. The holiday season, in particular, provides volunteer opportunities for employees to collect and deliver items like clothing, food, toys, and household essentials which are sent to hyperlocal nonprofit organizations located in major cities where PrimeLending branches are concentrated. Some of the destinations include Boys and Girls Clubs, community shelters, and children’s hospitals. At PrimeLending’s corporate office, legacy holiday initiatives include supporting Meals on Wheels and The Salvation Army’s Angel Tree program.

PlainsCapital Bank

PlainsCapital locations across Texas take part in a wide array holiday charity initiatives supporting their local communities. The number one activity across the board is food/clothing/toy/and other drives, followed by Bank volunteer events. In San Antonio, for example, PlainsCapital branches collected non-perishable items on behalf of Daily Bread Ministries, providing food and assistance to struggling San Antonio residents. In what has become an annual event, the San Antonio branches also supported The Children’s Bereavement Center’s annual Chistmas party.

HiilltopSecurities Chief Administrative Officer John Muschalek helps gather some of the toys collected for the U.S. Marine Corps Reserve’s Holiday Toys for Tots program, for which HilltopSecurities is a national sponsor.

For the eighth consecutive year, PlainsCapital’s South Texas branches partnered with the City of Edinburg to support the annual “Edinburg Cares” food drive, delivering Thanksgiving meals to more than 700 families. One of the largest Salvation Army Angel Tree events in Dallas, 2018 marked the 10th anniversary of PlainsCapital’s annual holiday collection drive hosted at the Victory Park branch near downtown. The size and scope of the event has grown steadily over the years, thanks to the support of long-time Bank customers and partners Haynes and Boone and HFF. Employees from all three companies, as well as National Lloyds and Hilltop Holdings, participated in this year’s festivities, collecting gifts for nearly 600 children. In keeping with tradition, The Salvation Army DFW Area Commander Maj. Jonathan Rich joined PlainsCapital Bank Victory Park President J.J. Gomez, Santa Claus, and Mo the Buffalo as they climbed aboard PlainsCapital’s antique fire truck and led the loaded Salvation Army trucks through downtown Dallas on their way to the Salvation Army’s Christmas distribution center.

1. Value of Water Campaign, Key Findings from National Public Opinion Poll, May 2017 2. Ipreo MuniAnalytics based on number of issuances for 2017

PrimeLending team members in Dallas load up bags of toys and clothing for all of the “Angels” adopted in this year’s Salvation Army Angel Tree program.

For more than two decades, PlainsCapital’s Lubbock market has run two simultaneous holiday initiatives aimed at helping the community. The first one is the Lubbock Bank’s corporate sponsorship of the South Plains Food Bank’s “U Can Share” Food Drive. The second initiative is the annual toy drive and Christmas party for Alderson Elementary. Since 1994, PlainsCapital has partnered with the Lubbock ISD to sponsor an underserved school, hosting school events and providing classroom assistance throughout the year. The annual holiday toy drive and Christmas party—now in its 17th year—is by far the largest. Through the added support of venerable community partners and Bank customers Parkhill, Smith & Cooper and The McDougal Companies, PlainsCapital is able to sponsor Christmas for the entire school, ensuring every child has something under the tree.

National Lloyds employees Loni Eichner and Cari Miller deliver toys and a lot of holiday spirit to charity partner Vogel Alcove, a Dallas-based non-profit providing support programs and services for homeless children.

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