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Privacy Policy
Rev July 2010
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FACTS
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 WHAT DOES United Bank DO
WITH YOUR PERSONAL INFORMATION?
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Why?
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Financial companies choose how they share
your personal information. Federal law gives consumers the right to limit
some but not all sharing. Federal law also requires us to tell you how we
collect, share, and protect your personal information. Please read this
notice carefully to understand what we do.
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What?
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The
types of personal information we collect and share depend on the product or
service you have with us. This information can include:
n Social
Security number and income
n Account
balances and payment history
n Credit
History and credit scores
When
you are no longer our customer, we continue to share your information
as described in this notice.
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How?
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All
financial companies need to share customers’ personal information to run
their everyday business. In the section below, we list the reasons financial
companies can share their customers’ personal information; the reasons United
Bank chooses to share; and whether you can limit this sharing.
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Reasons we can share your personal
information
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Does United Bank share?
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Can you limit this
sharing?
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For
our everyday business purposes—
such as to process your transactions, maintain your
account(s), respond to court orders and legal investigations, or report to
credit bureaus
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Yes
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No
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For
our marketing purposes—
to offer our products and services to you
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Yes
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No
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For
joint marketing with other financial companies
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No
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No
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For
our affiliates’ everyday business purposes—
information about your transactions and experiences
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No
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No
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For
our affiliates’ everyday business purposes—
information about your creditworthiness
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No
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No
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For
our affiliates to market to you
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No
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No
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For
nonaffiliates to market to you
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No
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No
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Questions?
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Call
770.567.7211 or go to www.accessunited.com
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Page
2
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Who we are
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Who is providing this notice?
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United
Bank Corporation and United Bank
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What we do
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How does United Bank protect my personal
information?
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To
protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include
computer safeguards and secured files and buildings.
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How does United Bank collect my personal
information?
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We
collect your personal information, for example, when you
n open
an account or deposit money
n pay
your bills or apply for a loan
n use
your credit or debit card
We also collect your personal information
from others, such as credit bureaus, affiliates, or other companies.
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Why can’t I limit all sharing?
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Federal
law gives you the right to limit only
n sharing
for affiliates’ everyday business purposes—information about your
creditworthiness
n affiliates
from using your information to market to you
n sharing
for nonaffiliates to market to you
State
laws and individual companies may give you additional rights to limit
sharing.
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Definitions
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Affiliates
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Companies
related by common ownership or control. They can be financial and
nonfinancial companies.
n United Bank has no affiliates.
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Nonaffiliates
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Companies
not related by common ownership or control. They can be financial and
nonfinancial companies.
n United Bank does not share with nonaffiliates so
they can market to you.
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Joint
marketing
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A
formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
n United Bank doesn’t jointly market.
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Patriot Act Disclosure
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. Identity verification also helps to protect you and us from identity fraud.
What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006
The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.
As defined in Regulation GG, unlawful Internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made”.
As a commercial customer of United Bank, these restricted transactions are prohibited from being processed through any business account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.
National Mortgage Licensing System (NMLS)
Identification – Listing for United Bank Lenders
See this reference for all licensed mortgage lenders at United Bank.
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