Notice of Your Financial Privacy Rights

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.

Signature______________________________________________________

Name(s)_______________________________________________________

Social Security Number(s)________________________________________

All Account Numbers____________________________________________

Street Address_________________________________________________

Apartment Number_____________________________________________

City, State, Zip_______________________________________________