NOTICE OR YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Union Bank & Trust.

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

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a (n):

• Deposit account

• Loan account

• Safe deposit box

• Retail installment contract we hold and service

• Self-directed Individual Retirement Account

• Mortgage brokerage services

We will tell you the sources of the information we collect about you. 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. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

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 person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party”

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms

• Information about your transactions with us

• Information about your transactions with other parties

• Information from a consumer reporting agency

• Information we receive as a result of verifying customer information.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

Transaction and experience information from our account records:

Information about your transactions and experience with us, such as:

• Name

• Address

• Types of accounts

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types Of Affiliates

We may disclose information about you to the following types of affiliates:

Financial service providers, such as:

• Mortgage bankers

• Securities broker-dealers

• Insurance agents

• Title companies

Reasons For Disclosure

We may disclose information about you to our affiliates to provide you with information about additional products and services.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

AUTHORIZED SHARING- OUTSIDE MARKETING SERVICES

We may disclose the following information to companies that perform marketing services on our behalf:

Information you give us on an application or other forms, such as:

• Name

• Address

Information about your transactions with us, such as:

• Types of accounts

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose information for outside marketing purposes:

Service providers that perform marketing services for us, such as:

• Direct mail companies

Reasons For Disclosing

We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

 

Union Bank & Trust Co.

Member FDIC

P.O. Box 270, Monticello AR 71657-0270

 

Customer Service

Business Days Monday through Friday

 (870) 460-6400 (Main)

     (870) 226-2035 (Warren)

     (870) 382-3103 (Dumas)