Introduction

At Union Bank, our mission is to meet the desires of our customers. As financial services professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy Principles serve as standards for all Union Bank employees for collection, use, retention, and security of individual customer information.

Expectation of Privacy

At Union Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. Thus, the safekeeping of customer information is a priority for Union Bank.

Information Management Practices

Information about a consumer is accumulated from a variety of sources. Some information is provided to Union Bank directly by customers themselves. Other data is developed by Union Bank as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help us identify and mitigate potential risks or loss to Union Bank. We will use information to help identify additional products or services which we believe customers might want to know about. We will use the information only in accordance with the principles set out in our Policy.

Maintenance of Accurate Information

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Limitations on Employee Access to Information

Employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, employees are responsible for maintaining the confidentiality of customer information and employees who violate the Privacy Principles will be subject to disciplinary measures as provided in the Union Bank “Code of Ethics.”

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Protection and Security of Information

We safeguard information according to established security standards and procedures, and we continually assess new technology for protecting information. Our employees are trained to understand and comply with these information principles.

Restriction on the Disclosure of Account Information

We do not reveal specific information about your accounts or other personally identifiable data to unaffiliated third parties for their independent use unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non-Union Bank companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Maintaining Customer Privacy in Business Relationships with Third Parties

When the bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

Providing Privacy Information to Customers and Responding to Inquiries

Union Bank respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result, these Privacy Principles are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should contact Customer Service at (816) 763-4400 or email Customer Service.

How the Privacy Policy relates to our Website

We recognize the importance of protecting the privacy of personally-identifying information that may be submitted to us when you visit our website.

The information we receive depends on what you do when you visit our site. This is how we handle the information we learn about you from your visit to our website.

• If you visit our site to read or download information on our web pages such as press releases and checking and savings account information:
  
  
  We collect and store only the following information about you: name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or a similar domain corresponding to your Internet Service Provider "ISP"); date and time you access our website; pages you may have visited on our site; and Internet address of the website from where you came to visit our website.
  
  We use the information we collect to measure the number of visitors to the different pages and sections of our site, and to help us make our site more useful to visitors.
  
  
  
• If you visit our website to use interactive banking tools such as financial calculators and self-tests:
  
  
  You may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.
  
  
  
• If you identify yourself by sending an e-mail or filling forms such as applications, check reorder forms, contact forms and guest registers:
  
  
  You may be asked for personally-identifying information in order to process your e-mail, form or application. This information may be retained by us and our business partners for processing and to facilitate decisions. Information you submit to us is treated no differently than any information you might provide in a written format such as a brochure application, reorder slip to order checks, or a letter.

We Want To Be Very Clear

We protect and safeguard the privacy of users of our on-line services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.

We will NOT sell personally-identifying information to a third party for the purpose of solicitation or provide personal information to a third party for its own use.

Sometimes we send our customers information about our products and services. If you do not wish to receive this information, or if you believe that your personal information is incorrect, please contact us. We will investigate the situation and if appropriate update our records.

If you have any questions that are not answered in this section please contact us.

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Use of Information

Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Union Bank.

Copyright Information

©2000-2007 Union Bank (f/k/a Bannister Bank & Trust), All Rights Reserved
©1996 The Forms Group, Scottsdale, AZ All Rights Reserved

All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Trademark Information

®2004-2007 Union Bank. Your Needs. Our Services. A Great Union.
BankSITE® is a registered trademark of The Forms Group.

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided "as is" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within Union Bank's web site do not imply endorsement of that product, service or publication. Union Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Union Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

Disclosures

Disclosure Statement For Consumers: Loan information presented on the website of Union Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.

Deposit information presented on the website of Union Bank is in accordance with the Federal Reserve Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Facts, data, & other information presented on Union Bank website pages are provided directly by Union Bank.

Union Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.

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