Online Fraud Prevention and Protection

Protect Yourself and Report Phishing Emails or Fraudulent Websites

At United Commercial Bank, the security of your accounts and personal information is our top priority. Recently, the Federal Trade Commission has warned consumers about fraudulent emails and counterfeit websites that attempt to trick people into providing confidential personal information. If you receive a suspicious e-mail that appears to come from UCB, please notify us immediately by forwarding the e-mail to reportphish@unitedcb.com. Do not open any attachments or click any links found in the suspicious
e-mail.

United Commercial Bank will never request personal information from customers via email or pop-up window. If you have entered personal information in response to a suspicious email or in a suspicious website claiming to be affiliated with United Commercial Bank, please call our Customer Service Representatives at 1-800-821-3899, Monday to Friday from 6 am to 6 pm Pacific Time, or write to us at United Commercial Bank, P. O. Box 882373, San Francisco, CA 94188-2373, Attention: Chief Privacy Officer.

What is e-mail fraud?

Many fraudulent emails appear to be sent from legitimate companies that you do business with, such as your bank. These e-mails often ask you to validate or confirm your personal information by sending a reply, opening an attachment, or clicking on a link to a counterfeit website. These messages can contain viruses, known as "Trojan horse" programs, designed to record your keystrokes. These emails can also direct you to a counterfeit website that appears to be genuine.

How to prevent e-mail and internet-related fraudulent schemes:

You can help protect your UCB accounts and personal information from fraudulent activities by following these simple steps:

• Delete any email without opening it, if you don't recognize the sender.
• Be suspicious of any email that asks for personal information, requests your authentication, or indicates a problem with your UCB accounts. If you receive an email like this, do not reply by email. Instead, contact the Chief Privacy Officer to verify the authenticity of the email. Remember, United Commercial Bank does not request personal information from customers via email.
• United Commercial Bank website www.ibankunited.com should never be accessed from a link provided by a 3rd party. It should only be accessed by typing the website name, or URL address, into the Web browser or by using a "bookmark" that directs the Web browser to www.ibankunited.com.
• Only provide your personal information if you initiated the sign on process to your account at United Commercial Bank website: www.ibankunited.com.
• Before logging on to our Online Banking Services, please ensure there is a closed lock on the lower-right corner of the browser. A closed lock means that the page is protected by encryption while in transit over the network. (Diagram below)
  
• Use virus protection software and keep the virus lists current.
• Keep your computer operating system and Web browser up-to-date.

If you want to obtain more detailed information about e-mail fraud, also known as "phishing", and how to protect yourself from it and other identity theft, please visit:

• "How Not to Get Hooked by the 'Phishing' Scam," published in July 2003, which is available at: http://onguardonline.gov/phishing.html.
• "Fighting Back Against Identity Theft: Deter, Detect, Defend," which is available at: www.ftc.gov/idtheft.