At United International Bank, we value your trust and we know that privacy and security are important to you. It is one of our most important duties to keep your information confidential and secure. We are committed to customer service and to preserving the trust that you have in us.

We have established policies and procedures to help prevent the misuse of your personal information. The term "personal information" means nonpublic personal identification, such as names, addresses, telephone numbers, social security numbers, driver’s license number and e-mail addresses, and financial information about you. It does not include information that is available from public sources such as telephone directories or government records. The policy summarized in this privacy notice applies to individual consumers who obtain products or services for personal, family, or household purposes and applies to our existing and former customers.

Collection and Use of Information

We collect information about you in order to provide you with products and services, and administer our business. We collect personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from consumer reporting agencies and other lawful sources.

Disclosure of Information

We do not disclose any personal information about our customers or former customers to anyone, except as permitted by law. Examples of what is permitted by law include disclosing information:

• To affiliated or nonaffiliated companies if it is necessary or appropriate in completing a transaction or to service an account;
• To report to a consumer reporting agency;
• To comply with government or court orders;
• To report an apparent crime; or
• If you give us your consent.

We may disclose identification and financial information about our current and former customers to companies that perform marketing services on our behalf under written agreement. However, we do not disclose account numbers to non-affiliated third parties for marketing purposes of any kind, including telemarketing, direct mail marketing, or electronic mail marketing.

To provide better customer services to our customers, we may also disclose the information we collect, as described above, to service providers to help us provide products and services. We require those third parties to maintain similar standards regarding the privacy and confidentiality of any personal information we provide to them.

Security of Information

We restrict access to personal information about our customers to those employees who need to know that information to provide products or services to you. All employees are trained and required to safeguard such information. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your personal information.

Maintenance of Accurate Information

We have implemented procedures to ensure that our customer information is accurate, current and complete. We also have procedures to respond to our customers' requests to correct inaccurate or outdated information in a timely manner.

Effective Date and Changes

This Privacy Notice is effective January 31, 2006. This policy may change from time to time, but our customers may always review our current privacy policy at our web site at www.unitedinternationalbank.com.

Questions

If you have any questions regarding this Privacy Notice, you may call our customer service representative at:
718 – 886 1788 or write to us at

United International Bank
Attn: Privacy Compliance Officer
41-60 Main Street, Flushing, NY