Unity Bank Privacy Policy 2008
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

Unity Bank respects your right to the confidentiality of your personal information and we value our customers to the highest regard. In order to provide you with a variety of products and services, information is shared among Unity Bank’s family of companies (affiliates): Unity Bancorp, Unity Investment Services Inc., Unity Participation Company Inc., Unity Statutory Trust I, and Unity Financial Services Inc. We want you to understand how and why we collect, store and use non-public personal information about you and to assure you that we observe strict measures of security, confidentiality and privacy with respect to this sensitive information.

Non-public Personal Information: Includes information about you that we collect in connection with providing a financial product or service to you. Non-public information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean non-public personal information as defined in this section.

Affiliate: Is a company that we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

Non-Affiliated Third Party: Is a person we do not employ or is a company that is not an affiliate of ours. This is also known simply as an “other party”.

Customer: A customer is defined as a consumer who has an on-going customer relationship with a financial institution by purchasing or holding financial products or services such as a(n): Deposit Account, Loan Account, Credit Card Account, Safe Deposit Box, Retail Installment Contract (that we hold and service), IRAs, Financial Investment or Economic Advisory Services, Mortgage Brokerage Services.

Transactional Information: Is information about transactions with Unity Bank, our affiliates or others, such as account balances, account activity, types of account, payment history, deposit history and parties to a transaction.

The Confidentiality, Security, and Integrity of Your Information: We restrict access to information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information. When we provide information to non-affiliated third parties such as those companies that assist us with data processing and those companies with which we have a joint marketing agreement, we require these companies, via contract, to maintain the confidentiality of the information shared to the same extent as the bank.

The Information We Collect: We collect non-public personal information about you to offer the widest range of products necessary to fit your needs.  We collect information about you from the following sources:

• Information we received from you on loan applications
• Information about your transaction with Unity Bank, our affiliates, or others
• Information from consumer reporting agencies

Information We Share: To offer you the widest range of products necessary to fit your needs, we are permitted or required by law to share information we have about our experiences and/or transactions with you or your account with our affiliates. The law allows Unity Bank to share identification information within Unity Bank’s family of companies, as well as information related to the transactions and experiences we have with our customers.  Unity Bank and its affiliates engage in a variety of business, such as trust administration, brokerage and investment services.  Sharing information among these business lines increases your access to products and services, allows us to match products and services to your specific needs and simplifies transaction flow.

We may also disclose information we have about you to companies with whom we have joint marketing agreements or who provide marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

The types of information we may share are:

• Information we receive from you on loan applications or other forms, such as name, address, social security number, assets and income.
• Information about transactions with Unity Bank, our affiliates or others, such as account balances, account activity, types of account, payment history, deposit history and parties to a transaction.

We do not sell, share, or provide non-public personal information to non-affiliated third parties.  We do not share any non-public personal information about our customers or former customers with anyone, except as permitted by law.

It’s Your Decision: Unity Bank offers a wide array of financial products and services designed to meet your financial goals. We periodically review information regarding our customer’s accounts and transactions to select the names, addresses and telephone numbers of customers to receive special offers of products or services that we believe will be of interest to our customers.  If you wish us not to share transactional information with our affiliates, call us at 1.800.618.BANK (1.800.618.2265), or write us at the address below. If there are multiple owners on an account, product or service, any one of them may request on behalf of any or all of the owners that their information is not to be shared or their names removed from our mailing lists.

Unity Bank

64 Old Highway 22
Clinton, New Jersey 08809
800.618.BANK
Unitybank.com

Member FDIC  Equal Opportunity Lender Equal Housing Lender

Ethics Policy

Unity Bancorp, Inc., Unity Bank (collectively, "Unity") regards the working relationship with customers, clients and other organizations as paramount and equally regards the integrity demonstrated by all directors, officers and employees as indispensable to that effective relationship. Therefore, it is the policy of Unity that all directors, officers and employees observe and comply with the following:

Conflicts of Interest

• No director, officer or employee shall directly or indirectly enter into or maintain a relationship with another business, financial concern or individual when such relationship is in conflict with or prejudicial to the interest of Unity or would appear to cause a conflict of interest. If doubt exists regarding restrictions, prior approval by the Board of Directors or employee's supervisor is required.
• No director, officer or employee shall be permitted to make or to influence any decisions, to negotiate or to influence any contracts or purchase orders, to undertake assignments or to evaluate such assignments on behalf of any business, financial concern or individual which is in conflict with or prejudicial to the interest of Unity or would appear to cause a conflict of interest.
• An officer or employee must notify their immediate supervisor and the Human Resources Manager regarding full time or part time employment outside Unity. No employee shall be engaged in outside employment where certain functions performed might interfere in any manner with the proper and effective performance of duties at Unity or appear to create a conflict of interest.

• No director, officer or employee shall engage in any activity and/or conduct on Unity property that is viewed as contrary to Unity's policy of ethical and proper behavior.
• No director, officer or employee shall subject or appear to subject Unity to public criticism or embarrassment.
• No director, officer or employee shall directly or indirectly avoid job responsibilities as related to cash and security accountability.
• No officer or supervisory employee shall avoid actions of disciplinary administration.
• A director, officer or employee witnessing or having knowledge of wrongdoing against Unity must divulge this information to the appropriate supervisor or member of management without fear of recourse.
• No director, officer or employee shall accept the tangible or intangible items of value, gratuities or special favors from any organization or individual, which participates or seeks to participate in company business. This is a total bar on soliciting or receiving anything of value as a quid pro quo or as a "gratuity" in connection with any transaction with Unity or its subsidiaries. This statutory prohibition does not include unsolicited advertising or promotional materials of nominal value. Acceptance of food, refreshments and accompanying entertainment on infrequent occasions in the ordinary course of a business meeting or inspection tour where the individual is properly in attendance at Unity's request is permissible. If any doubt exists as to the propriety of the acceptance of an item of value, the individual must have the prior approval of the President of Unity or the designee of Unity's President. Any violation of this policy will result in disciplinary action up to and including termination.

• Each director, officer and employee must at all times comply in all material respects with all applicable laws, rules and regulations.
• Each director, officer and employee must comply with applicable rules and regulations of all U.S. and non-U.S. governmental entities and other private and public regulatory agencies, including any exchanges on which Unity's securities may be listed.
• As a public company, it is of critical importance that Unity's filings with the United States Securities and Exchange Commission (the "SEC") be accurate and timely. Depending on their position with Unity, an employee, officer or director may be called upon to provide necessary information to assure that Unity's public reports are complete, fair and understandable. Unity expects employees, officers and directors to take this responsibility very seriously and to provide prompt accurate answers to inquiries related to Unity's public disclosure requirements.

• All of Unity's books, records, accounts and financial statements must be maintained in reasonable detail, must appropriately reflect Unity's transactions and must conform both to applicable legal requirements and to Unity's system of internal controls. Unrecorded or "off the books" funds or assets should not be maintained unless permitted by applicable law or regulation.

• Each director, officer and employee must maintain the confidentiality of all information entrusted to them by Unity or its customers that is treated by them as confidential, except when disclosure is authorized by Unity or legally mandated.
• Confidential information includes all information that may be of use to Unity's competitors, or that could be harmful to Unity or its customers, if disclosed.

• Each director, officer and employee must report promptly any violations of this Code. Failure to report a violation can lead to disciplinary action against the person who failed to report the violation which may be as severe as the disciplinary action against the person who committed the violation.
• A possible violation of this Code by an employee other than a Unity officer should be reported to the supervisor of the employee who commits the violation. However, any employee may report any possible violation to legal counsel for Unity.
• A possible violation of this Code by a director or an officer of Unity should be reported to Unity's legal counsel. If an employee believes that in a particular situation it would not be appropriate to report a possible violation by a director or officer to such legal counsel, the employee may also report the possible violation to Unity's principal executive officer, to the Chairman of Unity's Audit Committee, or to any other officer or director of Unity to whom the employee believes it would be appropriate to report the possible violation.
• The identity of the person who reports a possible violation of this Code by another will be kept confidential, except to the extent the person who reports the possible violation consents to be identified or the identification of that person is required by law.
• Possible violations may be reported orally or in writing and may be reported anonymously.
• Unity will not allow retaliation for reports of possible violations made in good faith.

• Any waiver or amendment of any provision of this Code must be approved by Unity's Board of Directors.
• No waiver of any provision of this Code with regard to a director or officer will be effective until that waiver has been reported to the person responsible for the preparation and filing of Unity's reports on Form 8-K (or any successor to that form) in sufficient detail to enable that person to prepare a Report on Form 8-K containing any required disclosure with regard to the waiver. Unity will promptly disclose on Form 8-K, by means of the filing of such form and dissemination by the Internet or by other electronic means, any change in or waiver of the Code.
• Any waiver of provisions of this Code will be reported in filings with the SEC and otherwise reported to Unity's stockholders to the full extent required by the rules of the SEC and by any applicable rules of any securities exchange or securities quotation system on which Unity's securities are listed or quoted.

Website Content Disclaimer

PLEASE CAREFULLY REVIEW THESE TERMS OF USE BEFORE USING THIS SITE.

INTRODUCTION AND USER AGREEMENT

This Terms of Use Agreement (the "Agreement") sets forth the terms and conditions for your use of this web site (the "Site"). The Site is owned and operated by Unity Bank ("Unity Bank" or "We"). By using the Site, you agree to be bound by this Agreement. If you do not agree to be legally bound by this Agreement, you should exit this Site immediately.

We reserve the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. You should check this Agreement periodically for changes. All changes shall be effective upon posting. Your continued use of the Site after any changed to this Agreement constitutes your agreement to be bound by any such changes. This Agreement was last updated on July, 2004. Unity Bank may terminate, suspend, change, or restrict access to all or any part of this Site without notice or liability.

RESTRICTIONS ON THE USE OF SITE CONTENT

This Site contains text, data, photos, images and pproduct and other information (collectively, "Content") that is proprietary to Unity Bank or its Content providers. You acknowledge that this Content is protected by copyrights, trademarks, trade secrets, patents, or other proprietary rights, and that these rights are valid and protected in all forms, media, and technologies existing now and hereinafter developed. You also acknowledge that the Content is and shall remain the property of Unity Bank or its Content providers (each a "Contributor") who have been involved in the preparation or publication of the Content. You may not modify, transmit, participate in the sale or transfer of, or create derivative works based on any Content, in whole or in part. Subject to your full compliance with this Agreement, You may print copies of the Content, provided that these copies are made only for personal, non-commercial use and that you maintain any notices contained in the Content, or maintained by the Contributor, such as all copyright notices, trademark legends, or other proprietary rights notices. You shall not store electronically any significant portion of any Content. Unity Bank authorizes you to view and use the Content on this Site solely for your personal, noncommercial use. The use of the Content on any other Site, including by linking or framing, or in any networked computer environment for any purpose is prohibited without Unity Bank's prior written approval.

TRADEMARKS

Unity Bank (including the Unity Bank logo), are trademarks or service marks of Unity Bank. Other company, product, and service names and logos used and displayed on this Site may be trademarks or service marks owned by Unity Bank or others. Nothing on this Site should be construed as granting, by implication, or otherwise, any license or right to use any of the Unity Bank Trademarks displayed on this Site. We prohibit use of any of the Unity Bank Trademark as part of a link to or from any site unless establishment of such a link is approved in advance by us in writing.

COPYRIGHT COMPLAINTS

If you believe, in good faith, that any materials on the Site infringe your copyrights, notifications of claimed copyright infringement should be sent, in accordance with Title 17, United States Code, Section 512(c)(2) (under the "Digital Millennium Copyright Act") to Unity Bank's designated agent. Notification should include: an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; a description of the copyrighted work that you claim has been infringed; a description of where the material you claim is infringing is located on the Site; a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; and a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or duly authorized to act on the copyright owner's behalf.

DISCLAIMER OF WARRANTIES

NONE OF Unity Bank, ANY OF ITS AFFILIATES, PROVIDERS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AGENTS OR INDEPENDENT CONTRACTORS (COLLECTIVELY THE "Unity Bank PARTIES") GUARANTEES THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY OF THE CONTENT. THIS SITE AND ALL OF THE CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT ANY WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR TITLE. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OF YOUR USE OF THE CONTENT. THE Unity Bank PARTIES DO NOT WARRANT THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES WILL THE Unity Bank PARTIES BE LIABLE FOR ANY GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL PUNITIVE OR ANY OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR BUSINESS INTERRUPTION) OF ANY KIND WHETHER IN AN ACTION ARISING OUT OF OR RELATING IN ANY WAY TO YOUR USE, OR INABILITY TO USE, THE CONTENT, THE SITE OR ANY THIRD PARTY SITE TO WHICH THIS SITE IS LINKED. Unity Bank IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS SITE IS TO STOP USING THE SITE. IF THE FOREGOING LIMITATION IS FOUND TO BE INVALID, YOU AGREE THAT THE Unity Bank PARTIES' TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

INDEMNIFICATION

You agree to indemnify and hold harmless the Unity Bank Parties from and against any and all claims, losses, expenses, or demands or liabilities, including attorneys' fees and costs, incurred by the Unity Bank Parties in connection with any claim by a third party (including any intellectual property claim) arising out of (i) your use of the Site in violation of this Agreement or in violation of any applicable law. You further agree that you will cooperate as reasonably required in the defense of any such claims. The Unity Bank Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of Unity Bank.

LINKS TO THIRD PARTY SITES

This Site may contain links to web sites controlled, owned, and operated by third parties (the "Third Party Sites"). Unity Bank cannot control and has no responsibility for the accuracy or availability of information provided on the Third Party Sites. You acknowledge that use of any Third Party Sites is governed by the terms of use for those websites, and not by this Agreement. Links to Third Party Sites do not constitute an endorsement by Unity Bank of such sites or the content, products, advertising or other materials presented on such sites, but are for your convenience and you access them at your own risk. WE ARE NOT RESPONSIBLE FOR THE CONTENT OF ANY THIRD PARTY WEB SITES, NOR DO WE MAKE ANY WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, REGARDING THE CONTENT (OR THE ACCURACY OF SUCH CONTENT) ON ANY THIRD PARTY WEB SITES, AND Unity Bank SHALL HAVE NO LIABILITY OF ANY NATURE WHATSOEVER IN RELATION TO ANY OF THE FOREGOING.

DEALINGS WITH ADVERTISERS

Your correspondence or business dealings with, or participation in promotions of, advertisers or other third parties found on or through the Site, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings are solely between you and such advertiser. You agree that we are not responsible nor shall we be liable for any loss or damage of any sort incurred as a result of any such dealings or as the result of the presence of such advertiser on the Site.

USE OF PERSONALLY IDENTIFIABLE INFORMATION

Unity Bank's practices and policies with respect to the collection and use of personally identifiable information is governed according to Unity Bank's Privacy Policy.

USER CONDUCT

You agree to use the Content and Site only for lawful purposes. You are prohibited from any use of the Content or Site that would constitute an illegal offense, give rise to liability or otherwise violate any applicable local, state, national or international law or regulation.

USER MUST COMPLY WITH APPLICABLE LAWS

This Site is based in New Jersey, United States. Unity Bank makes no claims concerning whether the Content may be downloaded or are appropriate for use outside of the United States. If you access this Site from outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.

COMPLIANCE WITH EXPORT LAWS

The United States controls the export of products and information. You expressly agree to comply with such restrictions and not to export or re-export any of the Content to countries or persons prohibited under the export control laws. By downloading the Content, you are expressly agreeing that you are not in a country where such export is prohibited or are a person or entity for which such export is prohibited. You are solely responsible for compliance with the laws of your specific jurisdiction regarding the import, export, or re-export of the Content.

GENERAL PROVISIONS

Failure by Unity Bank to enforce any provision(s) of this Agreement shall not be as a waiver thereof. This Agreement and all other aspects of your use of the Site shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of laws rules. All claims and disputes arising out of this Agreement or your use of the Site, other than actions for specific performance or injunctive relief brought by Unity Bank, shall be exclusively brought in the federal, state, or local courts located in New Jersey, and, with regard to such claims and disputes, you hereby irrevocably (i) submit to the exercise of personal jurisdiction over you by those courts and (ii) waive any jurisdictional, venue, or inconvenient forum objections to such courts. Any cause of action you may have with respect to the Content, Site or this Agreement must be commenced within one (1) year after the claim or cause of action arose, or be barred. If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect. You many not assign this Agreement, by operation of law or otherwise, without Unity Bank's prior written consent. Subject to that restriction, this Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. All rights not expressly granted herein are hereby reserved.

CONTACT US

If you have questions regarding the Agreement or the practices of Unity Bank, please contact us by phone at 800.618.BANK(2265) or by regular mail at Unity Bank, 64 Old Highway 22, Clinton, New Jersey 08809.