FACTS

WHAT DOES UNITED BANK & TRUST COMPANY 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 
• Account balances
• Payment history

Transaction history
• Account transactions
• Checking account information
When you are no longer our customer, we continue to share your information as described in this notice.

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 United Bank & Trust Company chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does United Bank & Trust Company 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

No

For our marketing purposes - 
to offer our products and services to you

No

We don't share

For joint marketing with other financial companies

No

We don't share

For our affiliates' everyday business purposes -  information about your transactions and experiences

No

We don't share

For our affiliates' everyday business purposes -  information about your creditworthiness

No

We don't share

For nonaffiliates to market to you

No

We don't share

Questions?

Call 641-892-4110 or go to www.ubtc.net

   
   

What We Do

 

How does United Bank & Trust Company 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. 
We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

How does United Bank & Trust Company collect my personal information?

We collect your personal information, for example, when you

• Open an account  
• Apply for a loan
• Make deposits or withdrawals
  from your account

• Give us your income information
• Make a wire transfer 
 

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 nonaffiliates to market to you 
State laws and individual companies may give you additional rights to limit sharing. 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies. 
United Bank & Trust Company does not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. 
United Bank & Trust Company does not share with nonaffiliates so they 
  can market to you.
 

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. 
United Bank & Trust Company doesn't jointly market.

Privacy Model Disclosure
VMP® Bankers SystemsTM
Wolters Kluwer Financial Services © 2010
   PRIV-MODEL  8/1/2010
2010.3/1869    2566197-010