As required by the Gramm-Leach-Bliley Act, commonly referred to as the “New Privacy Act”, we are offering notice to our customers of our compliance with this legislation. United Bank has always utilized privacy policies and procedures that protect our customers’ personal information. Gramm-Leach-Bliley complements existing privacy legislation by requiring specific procedures to safeguard against sharing private information with unauthorized parties in unwarranted situations.

What does this mean to you as our customer? First, it means that the employees of United Bank are keenly aware of the importance of disclosing your personal customer information only to those parties who have the legal right to obtain it, or who have been properly authorized by you to receive it. From an operational point of view, the procedures necessary to insure information privacy require some changes at the customer service level. Typical customer requests, such as loan payoffs, balance inquiries, changes of address, and several others, will necessitate establishing the identity of the requesting party to an extent not required prior to this legislation. When making inquiries regarding your account with United Bank, if you are asked to identify yourself in a manner more thoroughly than in the past, rest assured that we are doing so simply to protect your private personal information in compliance with Privacy Act guidelines.

Please review the policy and if you have questions, contact our privacy coordinator, Beth Kemp, at 770-412-4909. We value your banking relationship and the confidence and trust you place in us.

Privacy Policy Notice 

Protecting your privacy is important to United Bank and our employees.  We want you to understand what information we collect and how we use it.  In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information.  The following policy serves as a standard for all United Bank employees for collection, use, retention, and security of nonpublic personal information. 

What Information We Collect

We may collect “nonpublic personal information” about you from the following sources: 

·        Information we receive from you on applications or other loan and account forms;

·        Information about your transactions with us, our affiliates or others; and

·        Information we receive from third parties such as credit bureaus. 

“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you.  For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history. 

What Information We Disclose

We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common control or ownership (“affiliates”).  While United Bank has some non-financial affiliates, in this case, affiliate, refers to a financial service provider such as a securities dealer.   

We also are permitted under law to disclose nonpublic personal information about you to “nonaffiliated third parties” (i.e., third parties that are not members of our corporate family) in certain circumstances.  For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan or account with us; to government entities in response to subpoenas; and to credit bureaus.  We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law. 

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice. 

Our Security Procedures

We also take steps to safeguard customer information.  We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

United Bank's Electronic Banking Privacy Policy

The AccessUnited website does not collect personal identifying information about site users except when specifically and knowingly provided by such users. Once you have provided personal identifying information, it will only be used for purposes of managing the AccessUnited website, or for such other purposes as described at the point of data collection. Such information will not be transferred to other parties unless otherwise stated at the point of data collection.

Website users should be aware that when they voluntarily disclose personal information to other web sites through the AccessUnited Internet Service, that information can be collected and used by others and may result in unsolicited messages from third parties.

United Bank is committed to protecting user privacy, and the AccessUnited website is maintained in a manner consistent with the Banking Industry Privacy Principles for U.S. Financial Institutions. These Principles are as follows:

United Bank Privacy Principles

1. Recognition of a Customer's Expectation of Privacy
     
   United Bank recognizes and respects the privacy expectations of its customers and will commit itself to meeting the privacy expectations of its customers.
     
2. Use, Collection and Retention of Customer Information
   
   United Bank will collect and use information about individual customers only where United Bank reasonably believes it would be useful (and allowed by law) in administering United Bank's business and in providing products, services and other opportunities to its customers.
     
3. Maintenance of Accurate Information
   
   United Bank has established procedures so that a customer's financial information is as accurate, current and complete as possible. United Bank will respond to requests for correcting inaccurate information as expeditiously as possible.
     
4. Limiting Employee Access to Information
   
   Through adopted policies and procedures, United Bank limits employee access to personally identifiable information to those employees with a business reason for knowing such information. United Bank has initiated training programs so that employees will understand the importance of confidentiality and customer privacy.
     
5. Protection of Information via Established Security Procedures
   
   United Bank has established security standards and procedures which are designed to prevent unauthorized access to customer information. These standards and procedures include numerous published and unpublished methods of protecting customer information from unauthorized access.
     
6. Restrictions on the Disclosure of Account Information
   
   United Bank will not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties, unless
   1. the information is provided to help complete a customer initiated transaction;
   2. the customer requests it;
   3. the disclosure is required by/or allowed by law (i.e. investigation of fraudulent activity); or
   4. the customer has been informed about the possibility of such disclosure through a prior communication and is given the opportunity to decline (i.e. "opt out").
        
7. Maintaining Customer Privacy in Business Relationships With Third Parties
   
   If personably identifiable customer information is provided, United Bank will require the third party to adhere to similar privacy principles that provide for keeping such information confidential.