We routinely collect and retain the information we obtain from your account applications, transaction history (for deposits, loans, credit cards, etc.) and from consumer reports. This information helps us:

• To establish and administer your accounts. (Example: We ask for personal identifying information to protect your accounts from fraud.)
• To satisfy certain regulatory requirements. (Example: When you open an account that pays interest, we are required by the Internal Revenue Service to obtain your social security number.)
• Better understand you so that we may provide you with additional or improved products and services. (Example: We require information concerning your credit history and your assets to determine if you qualify for loan approval.)

HOW IS THAT INFORMATION PROTECTED?

Access to your personally identifiable financial information is limited to employees with a specific business reason for utilizing this data. Our employees are educated about the importance of maintaining confidentiality and customer privacy. If necessary, we take appropriate disciplinary steps to enforce our employees’ responsibility to protect your very personal information.

In order to prevent unauthorized access to your information, we maintain security standards and procedures that conform with industry practices. These security standards and procedures are routinely tested to verify the integrity of our systems.

PHISHING

Fraudulent email with the intent of luring a person to a fraudulent web site to obtain confidential information from that person such as passwords, driver's license numbers, Social Security Numbers, Social Insurance Numbers and bank accounts.

United American Savings Bank will never request confidential information via e-mail from our customers or business partners. If you receive an e-mail requesting this information that appears to have been sent from United American Savings Bank, please report the incident to us via our Contact page.