Financial companies choose how they share yourpersonal information. Federal law gives

Consumer’s the right to limit some but not allsharing. Federal law also requires us to tell you

how we collect, share, and protect yourpersonal information. Please read this notice carefully to

understand what we do.

The types of personal information we collectand share depend on the product or service you

have with us. This information can include:

· Social Security number and Income

· Account Balances and Payment History

· Credit History and Credit Scores

When you are no longer our customer, wecontinue to share your information as described in this

notice. All financial companies need to sharepersonal information to run their everyday

business. In the section below, we list thereasons financial companies can share their

personal information; the reasons United TrustBank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information.


Does United Trust Bank share?

Can you limit this sharing?

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



For our marketing purposes—

to offer our products and services to you




For joint marketing with other financial companies



We don’t Share


For our affiliates’ everyday business purposes—

information about your transactions and experiences



We don’t share

For our affiliates’ everyday business purposes—

information about your creditworthiness



We don’t share

For our affiliates to market to you


We don’t share

For nonaffiliates to market to you


We don’t share

Who is providing this notice?

United Trust Bank

1233 S Harlem Ave.,

Palos Heights, IL 60463

How does United Trust Bank protect my personal information?

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 fi les

and buildings.

How does United Trust Bank collect my personal information?


We collect your personal information, for example, when you open an account or deposit money, pay your bills or apply for a loan, use your Credit or Debit card.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

· sharing for affiliates’ everyday business purposes—information about your creditworthiness

·  affiliates from using your information to market to you

· sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Affiliates - Companies related by commonownership or control. They can be financial and nonfinancial companies.

  • United Bancorp Inc

Nonaffiliates - Companies not related bycommon ownership or control. They can be financial and nonfi nancial companies.

  • United Trust Bank does not sharewith nonaffiliates so they can market to you.

Joint marketing - A formal agreement betweennonaffiliated financial companies that together market financial products orservices to you.

  • United Trust Bank does not jointlymarket.

We also collect your personal information fromothers, such as credit bureaus, affiliates, or other companies.

Important information about Credit Reporting-We may report information about your account to Credit Bureaus. Late payments,missed payments, or other defaults on your account may be reflected on yourcredit report.