Habib American Bank recognizes that privacy and security of personal financial information is very important to our customers. We are committed to providing the highest level of privacy and security regarding the collection and use of personal information provided by customers and visitors of our web site.

Habib American Bank receives and retains information about its customers through many sources, such as applications, transactions (such as information regarding a deposit or loan), and consumer reports. We limit the use and collection of this information to that which is necessary to maintain and administer financial -services, to provide quality service, and offer new products and services that may be of benefit to our customers. Habib American Bank is committed to fully complying with the laws and regulations, such as the Fair Credit Reporting Act, the Right to Financial Privacy Act, and the Financial Modernization Act that have been enacted to protect the confidentiality of customer information. Personal information may be supplied to a third party in order to process a customer transaction, if authorized by the customer, or if the disclosure is required by law such as subpoena or the investigation of fraudulent activity. Categories of information that may be supplied in such instances includes identifying information such as name and address; or transaction information, such as information about account balance, payment history, and parties to the transaction.

Identifying information (name and address) may also be provided to nonaffiliated third parties for the purpose of marketing certain financial products or services, or to offer opportunities that we think will be of interest to our customers.

Non-affiliated third parties that have access to personal information of customers are subject to strict privacy and confidentiality agreements with the bank.

Maintaining customer privacy and trust is considered paramount in conducting all aspects of our business. Employees are well aware of their responsibility to protect confidential customer information and are governed by a policy of confidentiality. We will permit only authorized employees, with appropriate access level who are trained in the proper handling of customer information, to have access to customer information. Appropriate disciplinary polices are in place to enforce our employee's privacy responsibilities.

Habib American Bank continues to monitor and review the privacy measures that it has in place to protect customer information. These measures are updated as practices change and. new technology becomes available. While information is the cornerstone of our ability to provide superior customer service, our most important asset is our customers' trust.

Habib American Bank
99 Madison Avenue
New York, NY 100 16