Notice Of Your Financial Privacy Rights

We, our, and us mean Union Bank & Trust Company.

This is our privacy notice for our customers.  When we use the words "you" and "your"  we mean the following types of customers:

• Deposit account

• Loan account

• Credit card

• Safe deposit box

We will tell you the sources for nonpublic personal information we collect on our customers.  We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. 

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

The Information That We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms.

• Information about your transactions with us.

• Information about your transactions with nonaffiliated third parties.

• Information from a consumer reporting agency.

The Confidentiality, Security and Integrity of Your
Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information and Nonaffiliated Third Parties

Our policy for disclosing nonpublic personal information about former customers is as follows:  We do not share any information about former customers.

Authorized Sharing - Joint Marketing

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Nonpublic personal information we receive from you on an application or other forms, such as:
                                     - Name  - Address

Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements.  You do not have a right to opt out of the disclosure of this information.  We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. 

Types of Businesses.  Here are the types of businesses with whom we may disclose nonpublic personal information under this section

• Financial service providers, such as

• Insurance agents

• Marketing companies

• Credit card companies

Reasons For Disclosing

Here is why we may disclose nonpublic personal information about you to other financial institutions with whom  we have joint marketing agreements:

• To provide our customers with information about additional products and services.

Member 
Federal Deposit Insurance Corporation

We do Business in Accordance with Federal Fair Lending Laws