Policies

Ethics Policy

Introduction

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.

Unity Bank Core Values Test in situations where you are uncertain what to do, ask yourself these questions:

1. Is the action legal?
2. Does it comply with our Code of Business Conduct and Ethics and related policies?
3. Does it reflect our Core Values (Unity Bank Commandments)?
4. Would I be comfortable if my friends and family knew about it?
5. Would it be OK if other employees did it?
6. Would it keep Unity Bank and our shareholders from experiencing loss, harm, or unnecessary risk?
7. Does it feel like the right thing to do?
8. If you answered “no” to any of these questions, don’t do it.

The general rule of thumb to follow is: If you know it’s wrong, don’t do it. If you’re not sure, ask yourself the questions above. If you still are unsure on what to do, speak with your supervisor or the Human Resources Director. Keep asking until you have clarity on following the right path.

Anyone who works for, with or on behalf of Unity Bank has the responsibility to demonstrate the highest standards of business conduct. This Code of Business Conduct & Ethics applies to all officers, directors, employees and contractors of Unity Bank, our subsidiaries and our affiliates. Anyone who violates the spirit or letter of the Code may face disciplinary action, up to and including termination.

Therefore, it is the policy of Unity that all directors, officers and employees observe and comply with the following:

Corporate Statement 

A financial institution’s activities are affected by laws and regulations, as well as its responsibilities to its shareholders, clients, employees, and the community in which it serves.  The Unity Bank Ethics Policy provides the avenue for ensuring that the conduct of its employees is consistent with the institution’s corporate responsibilities.

The Unity Bank Ethics Policy embodies not only legal and regulatory requirements, but also the standards by which our employees must conduct themselves.

Conflict of Interest

A financial institution’s reputation for integrity is its most valuable asset and is directly affected by the conduct of its Employees, Officers and Directors (collectively hereinafter referred to as “Employees”).  For this reason, Employees must not use their position for private gain, to advance personal interests, or to obtain favors or benefits for themselves, members of their families, or any other individuals, corporations, or business entities.

A basic premise of the Unity Bank Ethics Policy is that each Employee represents Unity Bank and is obligated to act in Unity Bank’s best interest, and in the best interests of its clients and stockholders, without regard to the employee’s personal or financial interest or activities.  Employees are expected to recognize and avoid those situations where personal or financial interest or relationships might influence or appear to influence the Employee’s judgment on matters affecting our institution.

Employees should understand that a conflict of interest, or the appearance of a conflict of interest, may arise when there is a mere opportunity for conflict to occur.  Although Employees may not intend to create a conflict of interest, they should manage their affairs to avoid even the appearance of such a conflict.  If an employee has any doubt about a certain situation, the employee should contact his/her manager to discuss immediately.

Confidential Information

The unauthorized use or release of confidential information during or after employment with Unity Bank is a breach of the Unity Bank Ethics Policy. Confidential information with respect to Unity Bank, its clients, prospective clients, suppliers, shareholders, and employees acquired in the course of business is to be used solely for corporate purposes and never to be discussed with or divulged to unauthorized people. The need for confidentiality extends to everyone, including family, friends, and acquaintances.

Clients, suppliers, shareholders, and employees expect Unity Bank and its employees to always keep information regarding their personal and business affairs in strict confidence. Examples of confidential information include the following: clients', suppliers', shareholders' or employees' business relationships, loans, accounts, balances, credit ratings, experiences, or any other transaction with Unity Bank. Other examples of confidential information include, but are not limited to corporate policies, objectives, goals, and strategies; lists of clients, clients or vendors; employee records; and other materials such as graphs, memoranda, documents, manuals, reports, records, software or hardware for use in computer or word processing equipment, training materials, bulletins, and similar originals or copies of records whether or not you have contributed to their creation. When an Employee leaves Unity Bank, the Employee may not retain any confidential information in physical form. 

Confidential information available to one affiliate or department of Unity Bank should only be communicated to other affiliates or departments when there is a legitimate business need to know.
Misuse of confidential information will not only constitute a violation of this Code of Ethics, it may also constitute a violation of state and Federal law.  

Financial Accountability & Internal Controls 

Unity Bank has numerous internal control policies and procedures.  Unity Bank expects all employees to be familiar with and operate within established internal controls.  Unity Bank's internal and external auditors periodically audit internal control policies, procedures, and compliance to assess the sufficiency of these controls.  All employees involved in these periodic assessments shall provide accurate information and shall complete the internal control certifications in a timely manner.

Integrity of Accounting & Financial Information 

Unity Bank maintains the highest standards in preparing the accounting and financial information disclosed to the public. There should never be issued any information that is false, misleading, incomplete or would lead to mistrust by the public, our clients, or our stockholders. All accounting records shall be compiled accurately, with the appropriate accounting entries properly classified when entered on the books.

No payments on behalf of Unity Bank shall be approved or any transaction made with the intention or understanding that part or all of such payment will be used for any purpose other than that described by the documents supporting it. No fund, asset, or liability of Unity Bank shall, under any circumstances or for any purpose, be concealed or used for an unlawful or improper purpose.

Money Laundering & Transaction Structuring 

Unity Bank may unknowingly be used to launder money derived from criminal activity. The intention behind these types of transactions is to hide ownership of the funds from the government.  Unity Bank makes every effort to resist being associated with money laundering or any other type of criminal activity.

Any employee who knowingly and willfully launders money or attempts to or assists someone in laundering money is subject to substantial fines or imprisonment or both. Also, in accordance with the Bank Secrecy Act (“BSA”), any employee who willfully structures a transaction, or attempts or assists someone in structuring a transaction to avoid the currency reporting requirements of BSA is subject to substantial fines and up to twenty years imprisonment. 

Unity Bank employees are prohibited from engaging in money laundering and/or transaction structuring.  All employees are required to immediately report all attempts to launder money, structure a transaction and/or all suspicious activities.

Embezzlement, Theft, And Misapplication of Funds

Unity Bank holds each employee responsible for maintaining accurate and complete records.  Anyone who embezzles, steals, or willfully misappropriates any monies, funds, or credits of Unity Bank is subject to fine or imprisonment or both.

Things Offered to Employees

It is a federal crime for any Officer, Director, Employee, agent or attorney of Unity Bank to corruptly solicit, demand or accept for the benefit of any person anything of value from anyone in return for any business, service or confidential information of Unity Bank, intending to be influenced or rewarded, either before or after a transaction is discussed or consummated. Although all transactions and businesses are covered, some examples include extensions of credit, underwriting transactions, investment advice, trust matters, checking accounts and purchases from suppliers. Any person who improperly offers or promises something of value under these circumstances is guilty of the same offense.  Substantial criminal penalties can result from non-compliance.

It is not uncommon for bankers to have close social or family ties with some of those with whom they do business. Things of value exchanged between a Unity Bank Employee and family members, or social friends are not covered by this Unity Bank Ethics Policy if they are exchanged solely because of the family or social relationship and not in connection with a bank transaction or bank business. However, the exchange of things of value that may create the appearance of a conflict of interest should be avoided.

Although acceptance of things of value in connection with bank business is generally prohibited, the Bank has adopted a reasonableness standard relating to accepting items of value.  Simply defined, Employees, Officers, and Directors may only accept a gift or other thing of value if a reasonably prudent person who exercised an average degree of care, skill, and judgment, under the same circumstances, with similar knowledge of the facts, would have made the same decision.  Alternatively, ask the question whether accepting the thing of value is “reasonable” given the facts and circumstances.

For example, an Employee may accept meals, refreshments, travel arrangements or accommodation, or entertainment, all of reasonable value, in the course of a meeting or other occasion the purpose of which is to hold bona fide business discussions or to foster better business relations, provided the benefit would be paid for by Unity Bank as a reasonable expense if not paid for by another party; examples include, but are not limited to advertising or promotional material of nominal value, such as pens, pencils, note pads, key chains, calendars and similar items; discounts or rebates on merchandise or services that do not exceed those available to other clients; gifts of modest value that are related to commonly recognized events or occasions, such as a promotion, new job, wedding, retirement, Christmas, bas or bar mitzvah; civic, charitable, educational or religious organizational awards for recognition of service and accomplishment.

However, an Employee may not receive things of value for purely personal benefit, or for the personal benefit of anyone else, which serve no demonstrable business purpose.  Gifts of cash or cash equivalent, such as gift cards, in any amount are expressly prohibited.  Furthermore, an Employee may not accept a discount from a Bank customer or vendor that is not available to the public.  On a case-by-case basis, Unity Bank may approve other circumstances, not described herein, in which Employees may accept something of value in connection with Unity Bank business. Approval may be given by Executive Management, after consultation with legal counsel, in writing based on a full written disclosure of all relevant facts submitted by the employee, providing compliance with federal law. 

Whenever any situation arises about matters concerning things of value, Employees must make full disclosure to Unity Bank management and receive management's written response. Permanent files must be maintained of all disclosures and responses.

Things Offered by Employees

Employees may not, on behalf of Unity Bank in connection with any transaction or business of Unity Bank, directly or indirectly give, offer, or promise anything of value to any individual, business entity, organization, governmental unit, public official, political party, or any other person to influence the actions of the recipient. This standard of conduct is not intended to prohibit normal business practices such as providing meals, entertainment, tickets to cultural and sporting events, promotional gifts, favors, discounts, price concessions, gifts given as token of friendship or special occasions (such as Christmas), so long as they are of nominal and reasonable value under the circumstances and promote Unity Bank's legitimate business interests, and are not designed to provide a quid pro quo for granting business to Unity Bank.

Outside Activities

Employees' activities must not interfere or conflict with the interests of Unity Bank. Acceptance of outside employment, outside speaking engagements, election to the Board of Directors of other organizations, representation of Unity Bank clients in dealings with Unity Bank, and participation in activities on behalf of outside organizations or in political activities represent potential conflicts of interest.

Appropriate gainful employment outside the Unity Bank system is permissible but discouraged. Employees should not engage in outside employment that interferes with the time and attention that must be devoted to their duties at Unity Bank or adversely affects the quality of the work they perform.

Outside employment should not compete or conflict with the activities of Unity Bank; involve any use of company equipment, supplies, or facilities; imply Unity Bank's sponsorship or support; or adversely affect Unity Bank’s reputation. Employees must disclose any existing outside employment to Executive Management who may disapprove due to time considerations and/or conflict(s) of interest.

Unity Bank encourages Employees to participate in worthwhile civic, social, educational, and charitable organizations and activities. However, employees must not act without Executive Management approval in the following capacities: any signing capacity on any account of another, except a family member, held in Unity Bank; an official of any organization, except for social, religious, philanthropic or civic organization, colleges or schools, neighborhood associations, clubs within Unity Bank or trade or professional organizations associated with banking or business.

The Bank recognizes that social media is an increasingly common communication tool.  Employees must consider how their personal use of social media reflects upon the Bank.  Public comments disparaging the Bank, revealing trade secrets or confidential information is strictly prohibited.  Employees must not conduct Unity Bank business transactions through any social media platform.  Employees may express their personal opinions, but never represent themselves as a spokesperson for the Bank in any way.  Employees must also refrain from using social media while on work time or equipment unless it is work-related as authorized by a Manager.

Sound Personal Finances

• The way Employees manage their personal finances can affect on-the-job performance and Unity Bank's image in the community. Therefore, Employees must avoid any circumstances that may lead to over extension of credit or salary attachments or drawing checks against insufficient funds or other financially embarrassing situations.  Deposit Services monitors all Employee overdrafts and notifies an Employee’s manager when they occur.  Employees are then counseled on the importance of avoiding future overdrafts.
• Continued misuse of a Unity Bank deposit account by an Employee may lead to disciplinary action, including termination of employment.
• Employees and their families should borrow only from financial institutions that regularly lend money. Borrowing may be done only on a normal basis with no favored treatment. 
• Employees and their families may not borrow from clients and suppliers except those who engage in lending in the usual course of their business and then only on terms customarily offered to others under similar circumstances without special concessions as to interest rate, terms, security, repayment terms and penalties.

Requirements to Report Violations

If an Employee believes he/she will be in violation of this Unity Bank Ethics Policy and/or other  activity that violates law, regulation or Unity Bank policy, or business abuses, or if an Employee has suspicions of others involved in the same, the situation must be reported immediately to one's manager, Human Resources Director, Compliance Officer, Chairman of the Audit Committee of the Board, or another officer of Unity Bank, or by use of the Bank’s reporting hotline discussed below.  Failure to report is a violation of this Policy and 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 original violation.

Whenever possible, you are encouraged to raise questions and concerns directly with your manager, or someone in your department’s reporting line with whom you feel comfortable talking. In many cases, your manager can resolve issues, or help guide you through the appropriate process. If you are not comfortable doing so, the following resources are also available to you:  

• Human Resources Director
• LIGHTHOUSE Anonymous Reporting Hotline at 800-401-8004                                (www.lighthouse-services.com/Unitybank)
• Chairperson of the Audit Committee

The identity of the person who reports a possible violation of this Code by another will be kept confidential to the extent possible. However, circumstances may exist that require Unity Bank to disclose the name of a  person who reports a possible violation.  Possible violations may be reported orally or in writing and may be reported anonymously.
Unity Bank has a zero-tolerance policy for intimidation or retaliation against individuals who make good-faith reports of known or suspected violations of this Code, any Unity Bank policy or procedure, or any law or regulation.

Acknowledgement

Every employee will be required to sign a statement that he or she has read this Unity Bank Ethics Policy and understands it provisions and agrees to abide by them. Employees will be required to provide an annual acknowledgment.

Unity Bank Ethics Policy Violations

Any employee who violates any section of this Unity Bank Ethics Policy is subject to disciplinary action up to and including termination.

Investigations

The Bank investigates every concern that employees report through any channel. Every report of a violation is taken seriously. You are required to cooperate fully with any authorized internal or external investigation, including, but not limited to, those involving ethical issues, legal or regulatory issues, or policy violations. You should never withhold, tamper with, or fail to communicate relevant information in connection with any investigation. Making false statements may be grounds for immediate termination. If the investigation determines a violation has occurred, prompt corrective action will be taken, up to and including termination.

Matters Not Covered by This Statement

The Bank recognizes that it is impossible to define every practice that could constitute an objectionable conflict.  The omission of any specific policy of limitation or prohibition noted above, however, shall not be regarded as approval of practices or conditions not specifically covered, and the Board of Directors will take appropriate action to prevent and eliminate conflicts when circumstances so warrant.

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 product 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.

Funds Availability Policy

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Your Ability to Withdraw Funds

Our policy is to make certain funds from your check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits and wire transfers will be made available on the day we receive the deposited funds. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day at any one of our branches prior to closing time, we will consider that day to be the business day of your deposit. However, if you make a mobile deposit after 4:00 p.m.; a deposit at a proprietary ATM after 3:00 p.m.; or a remote deposit capture deposit after 6:00 p.m. on a day the Bank is open, we will consider the deposit to be made on the next business day.

Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid
• You deposit checks totaling more than $5,525 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Last Revision: 05-27-2020

Mobile Banking Privacy Policy

Last Updated: April 28, 2022

Unity Bank Mobile Banking powered by Fiserv—helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go. The App allows you to:

• Get real-time balances for your accounts.
• Manage your money.
• View your transactions and statements.
• Make transfers.
• Pay your bills and manage billers.
• Deposit a check.
• Receive alerts.
• Manage cards.

This Privacy Policy, in combination with other relevant privacy notices that we provide—Example: pursuant to financial privacy laws—is to inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website, and mobile application (the “Services”).

THE TYPES OF INFORMATION WE COLLECT IN THE APP
Through your use of the Services, we may collect personal information from you in the following ways:

1. Personal Information You Provide to Us
   We may collect personal information from you, such as your first and last name, address, email, telephone number, and social security number when you create an account. We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history. If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.

   We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.

2. Personal Information Collected from Third Parties—We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.

3. Personal Information Collected Via Technology—We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as: Device data, such as your computer or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (example: phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (example: Wi-Fi, LTE, 3G), and general location information such as city, state, or geographic area.

   Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access. Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns. Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.

   Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked. Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

4. Location Information—If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

HOW WE USE YOUR INFORMATION COLLECTED IN THE APP

1. General Use—In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways: Facilitate the creation of, and secure and maintain your account; Identify you as a legitimate user in our system; Provide improved administration of the Services; Provide the Services you request; Improve the quality of experience when you interact with the Services; Send you administrative email notifications, such as security or support and maintenance advisories; and Send surveys, offers, and other promotional materials related to the Services.

2. Compliance and protection—We may use your personal information to: Comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities; Protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims); Audit our internal processes for compliance with legal and contractual requirements and internal policies; Enforce the terms and conditions that govern the Service; and Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.

3. Creation of Non-Identifiable Data—The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.

DISCLOSURE OF YOUR PERSONAL INFORMATION

We disclose your personal information collected through your use of the Services as described below.

1. In Accordance with Our Other Privacy Notices—Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.

2. Third Party Service Providers—We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.

3. Authorities and Others—Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.

LINKS TO OTHER SITES

The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site, and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

YOUR CHOICES REGARDING YOUR INFORMATION

You have several choices regarding use of information on the Services.

1. How We Respond to Do Not Track Signals—Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.

2. Access, Update, or Correct Your Information—You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.

3. Opting Out of Email or SMS Communications—If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.

4. Opting Out of Location Tracking—If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.

SAFEGUARDS AND RETENTION

We implement reasonable administrative, technical, and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification, and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

A NOTE ABOUT CHILDREN

The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.

PRIVACY POLICY UPDATES

This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.

CONTACT US

If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at: customerservicecenter@unitybank.com; or by mail at: Unity Bank, 64 Old Highway 22, Clinton, NJ 08809