Notice of Your Financial Privacy Rights
We, our, and
us, when used in this notice, mean United Midwest Savings Bank.
This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:
*All of our consumer customers who have a continuing relationship with us, such as:
*Deposit acount
*Loan account
*Safe deposit box
*Retail installment contract we hold and service
*Self-directed Individual Retirement Account where we act as custodian or trustee
*Home mortgage brokerage
*All former customers
We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
The Information That We Collect
We collect nonpublic personal information about you from the following sources:
*Information we receive from you on applications or other forms
*Information about your transactions with our affiliates
*Information about your transactinos with nonaffiliated third parties
*Information from a consumer reporting agency
We restrict access to nonpublic personal 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 that comply with federal standards to guard your nonpublic personal information.
We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.
If you decide to close your account(s) or become an inactive customer, we will follow the privacy polcies and practices as described in this notice.
In the future, we may disclose nonpublic personal information about you to affiliates, even though we are not doing so now. Here are the kinds of nonpublic personal information we may disclose to our affiliates:
Transaction and experience inforamtion from our account records:
*Information about your transactions and experience with us,such as:
*Name
*Address
*Account balances
*Account activity
*Types of accounts
*Payment history
*Deposit history
*Parties to the transaction
*Social security number
Federal law allows us to disclose the information listed above with our affiliates. You do no have the right to opt out of the disclosure of this information.
We may disclose nonpublic personal information about you in the future to the following types of affiliates:
*Financial service providers, such as
*Commercial loan affiliates
*Finance companies
Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank's Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.
Secure Data Transfer
Once a server session is established on an https secure page, 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
Secure forms 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 loan application and check reorder transactions are secure.
