PRIVACY STATEMENT

This notice accurately summarizes our policies and practices regarding the collection, use, retention, and security of nonpublic personal information concerning customers who obtain a financial product or service from us that is to be used primarily for personal, family or household purposes.

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

"Nonpublic personal information" means any personally identifiable financial information about you, including information about you on a list that is not publicly available.

WHAT INFORMATION WE DISCLOSE

We do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We are permitted under law to disclose nonpublic personal information about you to nonaffiliated third parties in certain circumstances.

We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf.

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 PROCEDURE

We restrict access to your nonpublic personal information to those of our 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.

INTERNET PRIVACY

Visitors to Union State Bank's Web site remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as

• Date and time our site was accessed
• IP address (A numeric address given to servers connected to the Internet)
• Web browser used
• City, State, and Country

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.