Consumer/Customer Privacy and How It Affects You

OUR COMMITMENT TO YOU

As a community bank, United Community Bank is committed to your financial security. Protecting the privacy and security of the information you share with us is vital to that commitment. You trust us with your personal financial information, and we honor that trust by handling your information discreetly and sensibly. If you ever have questions or concerns about the safety of your account information, or any other areas of our business operations, please do not hesitate to telephone or come in to talk with our staff.

This notice will help you understand how we safeguard and use information.

PROTECTING INFORMATION THROUGH ESTABLISHED SECURITY PROCEDURES

United Community continually updates and improves its security standards and procedures to protect against unauthorized access to your confidential information. To guard your non-public personal information, we maintain physical, electronic, and procedural safeguards that comply with federal standards.

Only those individuals, who, as part of their job responsibilities, are authorized to access your information. We regularly train our employees on privacy and information security and on their obligations to safeguard your Information. In keeping with our commitment to protect your privacy, employees who violate these Privacy Principles are subject to disciplinary measures.

You can help us safeguard your personal information by taking a few simple precautions. Protect your account and PIN numbers and never disclose confidential information to unknown callers.

UTILIZING INORMATION TO BETTER SERVE YOU

We gather information about account balances, payment histories, loan repayment, and credit or debit card purchasing information and collection and servicing information. We use this information to maintain accurate account balance information, to provide excellent customer service, and to identify other products or services that may be of value to you.

When you fill out an application or open an account, we will ask for information such as photo ID, physical address, telephone number, Social Security number, as well as credit information such a income and employment, We may also ask for non-transactional information such as where your work or e-mail address.
We use this information when evaluating your eligibility for loans and to identify products and services that may be of interest to you.

When you apply for credit or other products, we may obtain information about you from other sources such as a consumer reporting agency (credit bureaus) or Chex Systems. When we review or monitor accounts for collections the same process is used.

INFORMATION WE SHARE

We do not disclose any nonpublic personal information about you to anyone except permitted by law. We may disclose information we have about you as permitted by law. We may share information with regulatory authorities and law enforcement officials, provide information to protect against fraud, report account activity to credit bureaus, or share information with your written consent.

When we share information, we are highly sensitive to your privacy in choosing the companies we select, and we restrict the information we provide to only that information they need to do their job. We require these firms to comply with strict standards of security and confidentiality, and they are not permitted to release, use or transfer any customer information to any other party for their own purposes. We do not sell customer lists or individual customer information.

ACCURATE INFORMATION

United Community Bank continually strives to maintain complete and accurate information about you and your accounts. If you ever believe that our records contain inaccurate or incomplete information about you, please contact United Community Bank immediately by calling 217-354-2161. We will correct any inaccuracies as quickly as possible.

CONSUMER REPORTING AGENCIES

If you believe we have reported inaccurate information about your account to any consumer-reporting agency, notify us in writing. Be sure to include your name, current address, Social Security number, telephone number, account number, specific item of dispute and reason you believe the information is wrong. Send your letter to United Community Bank, PO Box 159, Oakwood, Illinois 61858. We will investigate your concern and correct any inaccuracies we find. Any action we take will be confirmed with you.

In order to assure you are aware of our Privacy Policy, we are including this notice with many of the account statements you receive from United Community Bank.