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Adams-Edmore Dakota Prairie Edinburg Grafton Lakota Park River Valley Fordville-Lankin City of Park River City of Grafton City of Edinburg City of McVille City of Pekin City of Michigan LOST OR STOLEN CARDS AFTER HOURS, PLEASE CALL ATM OR DEBIT CARD: 1-800-264-5578 CREDIT CARD: 1-866-552-8855	Privacy Privacy Statement Visitors to this bank 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 via email, online registration forms. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our Web site may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the Web server to log the pages you use within the site and to know if you have visited the site before. Security Statement This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic. Secure Access and Verifying User Authenticity To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor. Secure Data Transfer Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session. Router and Firewall Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. Using the above technologies, your Internet banking transactions are secure. Notice of Your Financial Privacy Rights We recognize, respect and protect the personal privacy right of our customers’ information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information, as well as the personal information of all consumers who visit our institution and Web site. THIS IS OUR PRIVACY NOTICE FOR OUR CUSTOMERS. We, our, and us, when used in this notice, mean First United Bank. When we use the words “you” and “your” we mean the following types of customers: • Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n): • Deposit account • Loan account • Credit card account • Safe deposit box • Retail installment contract we hold and service • Mortgage brokerage services • All IRA accounts for which we act as custodian We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We first define some terms. Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean non public personal information as defined in this section. An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that own or controls us. Ownership does not mean complete ownership, but means owning enough to have control. A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party”. THE INFORMATION WE COLLECT We collect information about you from the following sources: • Information you give us on applications or other forms • Information about your transactions with us • Information about your transactions with other parties • Information from a consumer reporting agency • Information we receive as a result of verifying customer information INFORMATION WE DISCLOSE ABOUT YOU We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions. THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information. INFORMATION ABOUT FORMER CUSTOMERS We do not disclose information about former customers, except as permitted by law. If you have any questions or concerns regarding financial privacy, please contact us.

Adams-Edmore Dakota Prairie Edinburg Grafton Lakota Park River Valley Fordville-Lankin

City of Park River City of Grafton City of Edinburg City of McVille City of Pekin City of Michigan

LOST OR STOLEN CARDS AFTER HOURS, PLEASE CALL

ATM OR DEBIT CARD:
1-800-264-5578

CREDIT CARD:
1-866-552-8855

Privacy

Privacy Statement

Visitors to this bank 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 via email, online registration forms. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.

Some areas of our Web site may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the Web server to log the pages you use within the site and to know if you have visited the site before.

Security Statement

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity

To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer

Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet banking transactions are secure.

Notice of Your Financial Privacy Rights

We recognize, respect and protect the personal privacy right of our customers’ information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information, as well as the personal information of all consumers who visit our institution and Web site.

THIS IS OUR PRIVACY NOTICE FOR OUR CUSTOMERS.

We, our, and us, when used in this notice, mean First United Bank.

When we use the words “you” and “your” we mean the following types of customers:
• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
• Deposit account
• Loan account
• Credit card account
• Safe deposit box
• Retail installment contract we hold and service
• Mortgage brokerage services
• All IRA accounts for which we act as custodian

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean non public personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that own or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party”.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:
• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

If you have any questions or concerns regarding financial privacy, please contact us.