What's On Your Mind?

At United Bank, our goal is to serve our customers by offering the outstanding bank accounts and the best personal service in Northwest Arkansas. That means listening to your thoughts, ideas, questions, and critiques. Won't you share them with us?

If you have any questions or concerns, please let us know!

Privacy Policy

Rev. 09/2010

FACTS WHAT DOES UNITED BANK DO WITH YOUR PERSONAL INFORMATION?

Why? 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.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

● Social Security number ● Transaction history

● Account balances ● Account transactions

● Payment history ● Checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

How? 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.

Reasons we can share your personal information Does United 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 Yes No

For our marketing purposes –

¬to offer our products and services to you No We don't share

For joint marketing with other financial companies No We don't share

For our affiliates' everyday business purposes – information about your transactions and experiences No We don't share

For our affiliates' everyday business purposes – information about your creditworthiness No We don't share

For nonaffiliates to market to you No We don't share

Questions? Call 479-756-8811 or Toll-Free (877) 516-9417 or go to www.united-bk.com

What We Do

How does United 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 files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does United Bank collect my personal information?

We collect your personal information, for example, when you

● Open an account ● Give us your income information

● Apply for a loan ● Show your driver's license

● Make deposits or withdrawals

from your account

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

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. See below for more on your rights under state law.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.

● United Bank does not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

● United Bank does not share with nonaffiliates so they can market to you.

Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

● United Bank doesn't jointly market..

Other Important Information

For Alaska Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - withyour authorization.

For Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - with out out your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Privacy Model Disclosure

VMP® Bankers Systems™

Wolters Kluwer Financial Services © 2010

PRIV-MODEL 8/1/2010

To Reorder Form: 1-800-552-9410 2010.1/1588 2496869-010 Page 2 of 2