We, our, and us, when used in this notice,
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:
Our consumer customers who have a continuing relationship
by purchasing or holding financial products or services such as
a(n):
Deposit accounts
Loan accounts
Credit cards
Safe deposit boxes
Retail installment contracts we hold and
service
Self-directed Individual Retirement Accounts
Financial, investment, or economic advisory
services
Trust and employee benefit services
Former customers 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 will tell you what information we
share about you with other entities. We will explain what your
rights are, and how you can exercise them. If you share an account
relationship with someone else, such as a joint account holder
or co-borrower, we suggest that you share this information with
such persons to ensure that each of you is aware of our policy
and your options. We 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, as defined by federal law.
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."
Opt out means a choice you can make to prevent
certain sharing of information. We will explain how you can exercise
this choice.
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 our affiliates
Information about your transactions with other parties
Information from a consumer reporting agency
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
Account balances
Account activity
Types of accounts
Parties to the transaction
Credit card usage
Payment history
Deposit history
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. Other information not taken from
transactions and experience:
Information you give us on an application
or other forms, such as:
Social Security Number
Assets
Income
Email address
Telephone number
Information we receive from a credit reporting
agency, such as:
Creditworthiness
Credit history
You may opt out of the disclosure of the information
listed above.
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
Registered investment advisors
Ag loan production offices
Student loan service providers
Reasons For Disclosure
We may disclose information about you to our affiliates:
to provide you with information about additional
products and services.
to evaluate our total relationship with you
and our family of companies and give you the best price that relationship
deserves.
to give you the benefit of our entire relationship
when paying overdrafts and determining credit limits.
YOUR INFORMATION AND OTHER PARTIES
In addition to our policy with respect to affiliates, we may disclose
information to other parties. Here are the kinds of information we disclose
to these other parties:
Information you give us on an application
or other forms, such as:
Name
Address
Social Security Number
Assets
Income
Telephone number
Email address
Information about your transactions with
us, such as:
Account balances
Account activity
Types of accounts
Parties to the transaction
Credit card usage
Payment history
Deposit history
Information we receive from a credit reporting
agency, such as:
Creditworthiness
Credit history
You may opt out of the disclosure of the information
listed above.
State Limitations
AL, AK, CA, ID, and VT - We will not share this information about
customers who reside in Alabama, Alaska, California, Idaho, or Vermont.
MA, MS and NJ - We will not share any information derived from deposit
relationships with us about customers who reside in Massachusetts,
Mississippi or New Jersey. If you have a loan account or other customer
relationship in addition to a deposit account relationship, and you
do not want us to share this information about you, you should opt
out using a method described below. IL - We will not share this information
about our customers who reside in Illinois with other parties.
Types of Other Parties
We may disclose information about you to the following types of other
parties:
Financial service providers, such as:
Securities broker-dealers
Insurance agents
Student loan service providers
We may also disclose information about you to
other parties as permitted by law.
INFORMATION ABOUT FORMER CUSTOMERS
We have the same policy about disclosing information about former
customers as we do about current customers.
OUTSIDE SERVICE PROVIDERS/MARKETERS
We may disclose all of the information we collect, as described above,
to companies that perform marketing services on our behalf or to other
financial institutions with whom we have joint marketing agreements.
YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR
INFORMATION Affiliates. We are permitted to disclose information
about our transactions or experiences with you to affiliates. You
do not have the right to opt out of the disclosure of this particular
type of information. We may also disclose other information to our
affiliates (that is, information beyond our transactions and experiences
with you), unless you tell us to not disclose this other information.
Other Parties. If you do not want us to share your information with
other parties, you can block the release of certain information. This
is known as your right to "opt out." Your decision to block
the disclosure of your information will apply to information collected
from all products and services you receive from us. Remember, though,
that your opt out will not apply to information we share that is related
to your actual transaction and experience with one of us, which we
make available to our affiliates. If you have obtained one or more
products or services jointly, an opt out instruction by one party
is effective for all information we have collected about all joint
parties. If one of you chooses to opt out, no information about any
of the joint parties will be shared. If you have opted out of information
sharing previously under the Gramm-Leach-Bliley Act, it is not necessary
to do so again. Your previous instructions will remain in effect until
you request a change. By completing and signing the attached form,
you can exercise your right to opt out of information sharing with
other parties and sharing of information with affiliates other than
that information permitted by law.
Return the form to us at the following address:
Union Bank and Trust Company
Attention: Deposit Services
P.O. Box 82535
Lincoln, Nebraska 68501-2535
YOU HAVE THE RIGHT TO CHOOSE
In this notice, we have explained our policy about the disclosure
of certain information. Affiliates. We have explained the kinds of
information we may disclose to our affiliates. We have also explained
the kinds of affiliates with whom we may disclose the information.
If you prefer that we do not disclose information to our affiliates
you may opt out of those disclosures, that is, you may direct us not
to make those disclosures (other than the disclosures permitted by
law). Other Parties. We have explained the kinds of information we
may disclose to other parties. We have also explained the kinds of
other parties with whom we may disclose the information. If you prefer
that we do not disclose information to these other parties, you may
opt out of those disclosures, that is, you may direct us not to make
those disclosures (other than the disclosures permitted by law). Your
decision to block the disclosure of your information will apply to
information collected from all products and services you receive from
us. Remember, though, that your opt out will not apply to information
we share that is related to your actual transaction and experience
with one of us, which we make available to our affiliates. If you
have obtained one or more products or services jointly, an opt out
instruction by one party is effective for all information we have
collected about all joint parties. If one of you chooses to opt out,
no information about any of the joint parties will be shared. If you
have opted out of information sharing previously under the Gramm-Leach-Bliley
Act, it is not necessary to do so again. Your previous instructions
will remain in effect until you request a change. By completing and
signing the attached form, you can exercise your right to opt out
of information sharing with other parties and sharing of information
with affiliates other than that information permitted by law.
Return the form to us at the following address:
Union Bank and Trust Company
Attention: Deposit Services
P.O. Box 82535
Lincoln, Nebraska 68501-2535
Do not share my information, other than information relating to your
transactions and experiences with me, with your affiliates.
Do not share my information with non affiliated third parties.
