Privacy Statement

WHAT DOES UNITED CITIZENS BANK FACTS DO WITH YOUR PERSONAL INFORMATION?

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.

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 Payment History
• Income and Credit History
• Account Balances and Credit Scores

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

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 Citizens Bank chooses to share; and whether you can 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

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

No

We don't share

No

We don't share

Call (270) 384-2265 or go to www.ucbsky.com

 Who is providing this notice?

 United Citizens Bank means United Citizens Bank of Southern Kentucky, Inc.

How does United Citizens 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 Citizens Bank
collect my personal information?

We collect your personal information, for example, when you

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 Non-affiliates to Market to You

State laws and individual companies may give you additional rights to limit
sharing.

Affiliates

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

• United Citizens Bank has no affiliates.

Non-affiliates

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

• United Citizens Bank does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between non-affiliated financial companies that
together market financial products or services to you.

• United Citizens Bank doesn't jointly market.