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United Minnesota Bank
United Minnesota Bank

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Insite National Bank
 

Privacy Notice

Revised December/2010
FACTS What does United Minnesota 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 and Income
  • Account Balance and Payment History
  • Credit History and Credit Scores

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 Minnesota Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does United Minnesota Bank share? Can you limit this sharing?
For our everyday business purposes- such as to process your transaction, 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 Yes No
For joint marketing with other financial companies No NA
For our affiliates' everyday business purposes- information about your transactions and experiences No NA
For our affiliates' everyday business purposes- information about your creditworthiness No NA
For our nonaffiliates to market to you No NA

Questions? Call 320-354-2277 or go to www.umbnl.com

Who are we? United Minnesota Bank
105 Central Ave
PO Box 289
New London, MN 56273

What we do
How does United Minnesota 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.
How does United Minnesota 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 card or debit card

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 of 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.

Nonaffiliates

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

Joint Marketing

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