Common use of OUR SECURITY PROCEDURES Clause in Contracts

OUR SECURITY PROCEDURES. We keep your information secure by: • Maintaining physical, electronic and procedural safeguards that comply with or exceed federal standards to guard your nonpublic personal information, including the prompt disposal of all unnecessary customer information. • Limiting access to information about you to those associates who need to know that information to provide you products or services. • Training our associates about the importance of maintaining the confidentiality of customer information. We take appropriate disciplinary action to enforce our associates’ privacy responsibilities. • Requiring companies that do work for us on your behalf to protect information, and only provide them with information that we believe is necessary to fulfill their responsibilities. INFORMATION WE COLLECT. We collect and use different types of information about you to assist in servicing your accounts and managing our relationship with you. For example, we will use information we gather to identify you during a transaction in order to protect your identity and your account. Information you provide will also help us understand your financial needs as we design or improve our products and services. The information we gather comes from a variety of sources, including: • Information you provide to us (such as name, address and telephone number). • Information about your transactions with UMB (such as account balance and payment history). • Information we receive from credit reporting agencies and other companies and agencies (such as your credit history).

OUR SECURITY PROCEDURES. We keep your information secure by: •  Maintaining physical, electronic and procedural safeguards that comply with or exceed federal standards to guard your nonpublic personal information, including the prompt disposal of all unnecessary customer information. •  Limiting access to information about you to those associates who need to know that information to provide you products or services. •  Training our associates about the importance of maintaining the confidentiality of customer information. We take appropriate disciplinary action to enforce our associates’ privacy responsibilities. •  Requiring companies that do work for us on your behalf to protect information, and only provide them with information that we believe is necessary to fulfill their responsibilities. INFORMATION WE COLLECT. We collect and use different types of information about you to assist in servicing your accounts and managing our relationship with you. For example, we will use information we gather to identify you during a transaction in order to protect your identity and your account. Information you provide will also help us understand your financial needs as we design or improve our products and services. The information we gather comes from a variety of sources, including: •  Information you provide to us (such as name, address and telephone number). •  Information about your transactions with UMB (such as account balance and payment history). •  Information we receive from credit reporting agencies and other companies and agencies (such as your credit history).

OUR SECURITY PROCEDURES. We keep your information secure by: • Maintaining physical, electronic and procedural safeguards that comply with or exceed federal standards to guard your nonpublic personal information, including the prompt disposal of all unnecessary customer information. • Limiting access to information about you to those associates who need to know that information to provide you products or services. • Training our associates about the importance of maintaining the confidentiality of customer information. We take appropriate disciplinary action to enforce our associates’ privacy responsibilities. • Requiring companies that do work for us on your behalf to protect information, and only provide them with information that we believe is necessary to fulfill their responsibilities. INFORMATION WE COLLECT. We collect and use different types of information about you to assist in servicing your accounts and managing our relationship with you. For example, we will use information we gather to identify you during a transaction in order to protect your identity and your account. Information you provide will also help us understand your financial needs as we design or improve our products and services. The information we gather comes from a variety of sources, including: • Information you provide to us (such as name, address and telephone number). • Information about your transactions with UMB (such as account balance and payment history). • Information we receive from credit reporting agencies and other companies and agencies (such as your credit history).

OUR SECURITY PROCEDURES. We keep your information secure by: • Maintaining physical, electronic and procedural safeguards that comply with or exceed federal standards to guard your nonpublic personal information, including the prompt disposal of all unnecessary customer information. • Limiting access to information about you to those associates who need to know that information to provide you products or services. • Training our associates about the importance of maintaining the confidentiality of customer information. We take appropriate disciplinary action to enforce our associates’ privacy responsibilities. • Requiring companies that do work for us on your behalf to protect information, and only provide them with information that we believe is necessary to fulfill their responsibilities. INFORMATION WE COLLECT. : We collect and use different types of information about you to assist in servicing your accounts and managing our relationship with you. For example, we will use information we gather to identify you during a transaction in order to protect your identity and your account. Information you provide will also help us understand your financial needs as we design or improve our products and services. The information we gather comes from a variety of sources, including: • Information you provide to us (such as name, address and telephone number). • Information about your transactions with UMB (such as account balance and payment history). • Information we receive from credit reporting agencies and other companies and agencies (such as your credit history).

OUR SECURITY PROCEDURES. We keep your information secure by: • Maintaining physical, electronic and procedural safeguards that comply with or exceed federal standards to guard your nonpublic personal information, including the prompt disposal of all unnecessary customer information. • Limiting access to information about you to those associates who need to know that information to provide you products or services. • Training our associates about the importance of maintaining the confidentiality of customer information. We take appropriate disciplinary action to enforce our associates’ privacy responsibilities. • Requiring companies that do work for us on your behalf to protect information, and only provide them with information that we believe is necessary to fulfill their responsibilitiestheirresponsibilities. INFORMATION WE COLLECT. We collect and use different types of information about you to assist in servicing your accounts and managing our relationship with you. For example, we will use information we gather to identify you during a transaction in order to protect your identity and your account. Information you provide will also help us understand your financial needs as we design or improve our products and services. The information we gather comes from a variety of sources, including: • Information you provide to us (such as name, address and telephone number). • Information about your transactions with UMB (such as account balance and payment history). • Information we receive from credit reporting agencies and other companies and agencies (such as your credit history).

OUR SECURITY PROCEDURES. We keep your information secure by: • Maintaining physical, electronic and procedural safeguards that comply with or exceed federal standards to guard your nonpublic personal information, including the prompt disposal of all unnecessary customer information. • Limiting access to information about you to those associates who need to know that information to provide you products or services. • Training our associates about the importance of maintaining the confidentiality of customer information. We take appropriate disciplinary action to enforce our associates’ associates‟ privacy responsibilities. • Requiring companies that do work for us on your behalf to protect information, and only provide them with information that we believe is necessary to fulfill their responsibilities. INFORMATION WE COLLECT. We collect and use different types of information about you to assist in servicing your accounts and managing our relationship with you. For example, we will use information we gather to identify you during a transaction in order to protect your identity and your account. Information you provide will also help us understand your financial needs as we design or improve our products and services. The information we gather comes from a variety of sources, including: • Information you provide to us (such as name, address and telephone number). • Information about your transactions with UMB (such as account balance and payment history). • Information we receive from credit reporting agencies and other companies and agencies (such as your credit history).