Introduction
It is the intention of Union Bank and Trust to protect the privacy rights of its customers. To facilitate this objective the Bank's Board of Directors has adopted this Privacy Policy. At Union Bank and Trust, the basis of each customer relationship is trust. You have chosen to do business with Union Bank and Trust and we are obligated to honor that relationship with great care. We will protect the information which you have shared with us and we believe that your privacy should not be compromised. We intend to offer our products and services in a manner which is consistent with your privacy while simultaneously demonstrating how our products and services can help you achieve your financial goals.

Customer's Expectation of Privacy
At Union Bank and Trust we recognize your expectation that we will handle your personal financial information in a confidential and discreet manner. We will maintain standards to insure that your personal financial information is private and secure at all times. We believe the confidentiality and protection of customer information are part of our fundamental responsibilities. We recognize that the trust of our customers is critical to our success as a financial institution and we understand that our customers must trust us to maintain the privacy and confidentiality of their financial matters and information.

Our Information Management Procedures
We collect, retain and use information about our customers only where we reasonably believe that it will help us better administer our business or provide products, services and other opportunities to our customers. We collect and retain information about our customers only for specific purposes properly related to our banking business. We use information to administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design and improve our products and services; and to understand our customers' financial needs.

Union Bank and Trust has established procedures to ensure that your financial information is current, accurate and complete, and in keeping with reasonable commercial standards. We pledge to respond promptly and courteously to requests to correct inaccurate information.

Each employee of Union Bank and Trust is required to acknowledge and follow our privacy and confidentiality standards. Our employees are educated on the importance of these standards and are subject to disciplinary measures for any breach or failure to adhere to our procedures and standards.

Security Procedures and Disclosure Restrictions
All of our operational and data processing systems are in a secure environment that protects your financial information from being accessed by third parties. We maintain and grant access to our customer information only in accordance with our internal security standards. We do not reveal specific information about our customers' accounts or other personally identifiable data to unaffiliated third parties for their independent use except when (1) you request or authorize it, (2) the information is provided to help you complete a transaction initiated by you, (3) the information is provided to a reputable reporting agency, or (4) the disclosure is otherwise lawfully permitted or required.

We do not provide information to third parties for the purpose of independent telemarketing or direct mail marketing of non-financial products or services by such third parties.

When we do provide customer information to a third party we will insist, through a written agreement, that the third party adhere to privacy standards substantially similar to the standards and restrictions of Union Bank and Trust.

Customer Information
We will keep our customers apprised of any material changes in our Privacy Policy or the related procedures. We want you to understand how we will use the information which you provide to us and how you can get answers to your questions. If you have any questions about our Privacy Policy or how Union Bank and Trust uses or protects your financial information, please call 919-603-5030.