EBD Merchant Services/United Bank Card (www.ebankdata.com) will only obtain personal information that is needed to provide you with our goods and services. When we collect information directly from you, we obtain this personal information in order to provide you with our goods or services, to provide customer service and to fulfill any legal or regulatory requirements. We also obtain personal information as a result of consumers' financial transactions with United Bank Card or with United Bank Card merchants.

We are committed to protecting the confidentiality of your personal information. Our policies limit access to the personal information we collect only to employees and/or business relationships that need the information to fulfill their business responsibilities. We require our employees to adhere to this Privacy Policy. Employees who violate this Privacy Policy are subject to disciplinary action, up to and including dismissal.

When we collect personal information about you, we handle this information in accordance with the terms and conditions in our applicable merchant agreement. When United Bank Card engages vendors and other outside contractors, they are subject to our contractual requirements. For purposes of credit reporting, verification and risk management, we may share information about you with third parties. We also will disclose information in response to a request issued by a court, government agency or regulatory authority.

We use appropriate security safeguards. At United Bank Card, security is of the highest importance. United Bank Card employs appropriate measures, including advanced technology to protect personal information collected against unauthorized access, disclosure, alteration or destruction. These measures may include, among others, encryption, physical access security and other appropriate technologies. United Bank Card continually reviews and enhances its security systems, as necessary.

This United Bank Card Privacy Policy is currently applicable only to United Bank Card customers and visitors to our Web site.