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UNITI BANK PRIVACY POLICY
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Our Privacy Policy is set out below. It is current as of January 1, 2002. Our Privacy Policy, like the
other Policies at our Bank, is used by us as a guideline and a business-planning tool. It is not a contract
or standard that we are obligated to follow in all cases or in all manners, and we may change it in
accordance with our internal policy-setting procedures, from time to time and with or without public
notice of the modification or a change to the following. If you would like to verify that this is or
is not a current version of our Privacy Policy, please contact us at (714) 736-5700.
At Uniti Bank we take it seriously the confidence that our customers entrust to us. Protecting our
customers' privacy is a key priority. As a result, we have adopted the following privacy policies, which
apply to the banking business of Uniti Bank. Our Privacy Notice is also available one of our branch offices.
Recognition of Your Expectation of Privacy. We recognize that you expect privacy and security for your
personal and financial affairs. We understand the need to safeguard the nonpublic personal information
(NPI) that we have about you. We maintain standards and procedures designed to prevent misuse of this
information.
Collection, Retention, and Use of Information about You. We collect, retain and use NPI about you only
where we reasonably believe that it will help administer our business or provide products, services,
and other opportunities to you. We collect and retain NPI about you only for specific business purposes
and we will tell you why we are collecting and retaining it upon your request. Here are some examples
of how we use NPI about you: to protect and administer your records, accounts, and funds; to comply
with certain laws and regulations; to help us design or improve our products and services; and to
understand your financial needs so that we can provide you with quality products and superior service.
Our Maintenance of Accurate NPI. We have procedures to help assure that your NPI is accurate, current,
and complete in accordance with commercial standards. We also have procedures to respond to your
requests to correct inaccurate NPI in a timely manner.
Limiting Employee Access to NPI. We have procedures that limit employee access to personally identifiable
NPI to those employees with a business reason to know such NPI about you. We educate our employees about
the importance of confidentiality and customer privacy through standard operating procedures, special
training programs, and our policies on ethics. We take what we believe are appropriate disciplinary
measures to enforce employee privacy responsibilities.
Security Procedures to Protect NPI. We maintain security standards and procedures to help prevent
unauthorized access to NPI about you.
Restrictions on Disclosing NPI to Parties Outside Our Bank. Except as set forth in this Policy, we do
not reveal NPI about our customers', or former customers, accounts or other personally identifiable data to
parties outside our bank unless:
(1) you request or authorize it; (2) the NPI is provided to help complete a transaction initiated by
you; (3) the NPI is provided to a reputable credit bureau or similar information reporting agency; or
(4) the disclosure otherwise is lawfully permitted or required. We do not provide NPI to companies for
the purpose of independent telemarketing or direct mail marketing of any non-financial products or
services of those companies.
Maintaining Your Privacy in Business Relationships with Parties Outside Our Bank. We sometimes find it
necessary to provide NPI about you to a party outside our Bank, such as to a vendor or service company
that we hire to prepare your account statements or to provide support or services for one or more of our
products. These vendors and service companies must first have agreed to safeguard the NPI about you and
your products and services with us; in many cases, they are also subject to other legal restrictions on
reuse or re-disclosure.
Disclosing Our Privacy Commitment to You. We want you to understand our commitment to personal privacy
and our use of NPI. If you have further questions or comments, please contact us at the number above.
This Policy applies both to our website and our other dealings with you, our customers.
Children's Privacy. We feel our web site is directed to a general audience. We do not knowingly solicit
or collect personal NPI from children on our site.
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