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 Privacy of Customer Information Union Federal Savings Bank (hereafter the “Bank”, “we”, “us” or “our”) is committed to maintaining your trust and confidence when handling your information. Protecting your privacy is important to us. We want you to understand what information we collect and how we use it. In order to provide services to our customers as effectively and conveniently as possible, we use technology designed to collect, manage and maintain customer information. The following policy serves as a standard for our collection, use, retention, and security of “nonpublic personal information.” “Nonpublic personal information” is information about you that is not publicly available that we obtain in connection with providing products and services to you or when you visit us online. For example, nonpublic personal information includes information regarding your account balance and performance, and your credit history. Coverage of this Policy This privacy policy and disclosure applies to all institutions with the Union Federal Savings Bank (or “UFSB”) name. Information We Collect We may collect nonpublic personal information about you from the following sources:
Information We Disclose to Affiliates We may disclose all the nonpublic personal information that we collect, as described above, to our affiliated companies, including affiliated companies providing services to us. For example, we may disclose information we collect in the following ways: A. As permitted by law, we may share information about our experiences or transactions with you or your account (such as your account balance, or your account performance history with us) with our affiliates; B. We may share information with certain of our affiliates that help us service or maintain your accounts with us or perform services on our behalf; and C. We also may share credit report and other eligibility information about you or your account (such as information from your account application) with our affiliates. You may “opt out” of such disclosures -- that is, you may direct us not to disclose such eligibility information with our affiliates. Information We Disclose to Third Parties Not Affiliated With Us. We may disclose the nonpublic personal information that we collect, as described above, to “nonaffiliated third parties” (i.e., third parties that are not members of our corporate family), in the following ways: A. We are permitted by law to disclose nonpublic personal information about you to nonaffiliated third parties in certain circumstances. For example, we may disclose all of the nonpublic personal information about you that we collect, as described above, to:
B. In addition, we may disclose nonpublic personal information about you to other nonaffiliated third parties, including (but not limited to):
In addition to your rights described in this Privacy Notice, you may have other rights under state laws. To the extent such laws may apply, we will comply with them with respect to our information practices. California and Vermont Customers For Vermont Residents Only—According to Vermont law, we will not share application and third party credit–related information (such as credit history, income, credit references, and employment history) about Vermont residents within the UFSB family, or to financial institutions with which joint marketing agreements exist, without consent. Vermont residents do not have to complete an opt-out form to implement this privacy policy. For California Residents Only—If you live in California, we will not disclose nonpublic personal information about you to nonaffiliated third parties, except as described in paragraph A, above, or if you “opt-in” on a form that we will send you before making any such disclosure. Also, unless you “opt-in,” we will not disclose nonpublic personal information about you to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. California residents do not have to complete an opt-out form to implement this privacy policy. Former Customers If you close your accounts with us, 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. Our policies are designed to restrict access to nonpublic personal and account information to those employees, agents and third party servicers who we determine should have access to information in order to provide services to you. Employees who violate these standards will be subject to disciplinary measures. We also require our servicers to maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Changes to this Policy This policy is effective December 16, 2009. However, we may change this policy at any time by posting a revised version on our website. Reviewing the effective date of this policy will allow you to determine whether any changes have been made since the last time you reviewed the policy. It’s Your Choice We offer you the following choices about how we may share information about you. If you do not want us to share information about you, please let us know, or “opt out” of sharing, by completing and returning the Opt-Out Form found at the end of this notice. If you are a joint account holder, we will accept instructions from either you or your joint account holder and apply them to the account(s) that you list on the Opt-Out Form. Sharing Information With Affiliated Companies We may share all of the information we collect with affiliated companies. However, if you don’t want us to share certain information about you, please choose to opt out. You have the right to tell us not to share the following information about you with affiliated companies:
Please be aware, however, that this choice is limited to the information about you described above. Even if you opt out, we still may share other types of information about you with affiliated companies as permitted by law, such as your contact information, your transaction and experience information, and information necessary for our affiliates to provide services to us. Sharing Information With Non-Affiliated Third-Parties We may share all of the information we collect with other companies that are not affiliated with us. However, if you don’t want us to share information about you with such other parties, please opt out. Please be aware, however, that even if you opt out of sharing with others, we still may share information about you with others as permitted by law. Also, if you have authorized us to share information about you with another company in order to provide you with a particular product or service, we will continue to do so. As explained above, we will obtain any required consent before sharing customer information about California or Vermont residents with nonaffiliated third parties, or about Vermont residents with affiliates, beyond the exceptions identified above. How to Make Your Choices You can make your choices by completing and returning the attached Opt-Out Form. Please allow approximately 30 days from our receipt of your completed Opt-Out Form for your opt out to become effective. If you are a joint account holder, we will accept instructions from either you or your joint account holder and apply them to the account(s) that you list on the Opt-Out Form. 
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