##### 



as Trustee




---



##### 



TABLE OF CONTENTS
 PageARTICLE IDefinitions and Other Provisions of General ApplicationSECTION 1.1.
    
    Definitions
    
    
    1SECTION 1.2.
    
    Compliance Certificate and Opinions
    
    
    11SECTION 1.3.
    
    Forms of Documents Delivered to Trustee
    
    
    11SECTION 1.4.
    
    Acts of Holders
    
    
    12SECTION 1.5.
    
    Notices, Etc.
    
    
    14SECTION 1.6.
    
    Notice to Holders; Waiver
    
    
    15SECTION 1.7.
    
    Effect of Headings and Table of Contents
    
    
    15SECTION 1.8.
    
    Successors and Assigns
    
    
    15SECTION 1.9.
    
    Separability Clause
    
    
    15SECTION 1.10.
    
    Benefits of Indenture
    
    
    15SECTION 1.11.
    
    Governing Law
    
    
    16SECTION 1.12.
    
    Submission to Jurisdiction
    
    
    16SECTION 1.13.
    
    Non-Business Days
    
    
    16ARTICLE IISecurity FormsSECTION 2.1.
    
    Form of Security
    
    
    16SECTION 2.2.
    
    Restricted Legend
    
    
    17SECTION 2.3.
    
    Form of Trustees Certificate of Authentication
    
    
    17SECTION 2.4.
    
    Temporary Securities
    
    
    17SECTION 2.5.
    
    Definitive Securities
    
    
    17ARTICLE IIIThe SecuritiesSECTION 3.1.
    
    Payment of Principal and Interest
    
    
    18SECTION 3.2.
    
    Denominations
    
    
    20SECTION 3.3.
    
    Execution, Authentication, Delivery and Dating
    
    
    20SECTION 3.4.
    
    Global Securities
    
    
    21SECTION 3.5.
    
    Registration, Transfer and Exchange Generally
    
    
    23SECTION 3.6.
    
    Mutilated, Destroyed, Lost and Stolen Securities
    
    
    24SECTION 3.7.
    
    Persons Deemed Owners
    
    
    24SECTION 3.8.
    
    Cancellation
    
    
    25SECTION 3.9.
    
    Deferrals of Interest Payment Dates
    
    
    25SECTION 3.10.
    
    Right of Set-Off
    
    
    26SECTION 3.11.
    
    Agreed Tax Treatment
    
    
    26
 -i-




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##### 



PageSECTION 3.12.
    
    CUSIP Numbers
    
    
    26ARTICLE IVSatisfaction and DischargeSECTION 4.1.
    
    Satisfaction and Discharge of Indenture
    
    
    26SECTION 4.2.
    
    Application of Trust Money
    
    
    28ARTICLE VRemediesSECTION 5.1.
    
    Events of Default
    
    
    28SECTION 5.2.
    
    Acceleration of Maturity; Rescission and Annulment
    
    
    29SECTION 5.3.
    
    Collection of Indebtedness and Suits for Enforcement by Trustee
    
    
    30SECTION 5.4.
    
    Trustee May File Proofs of Claim
    
    
    31SECTION 5.5.
    
    Trustee May Enforce Claim Without Possession of Securities
    
    
    31SECTION 5.6.
    
    Application of Money Collected
    
    
    32SECTION 5.7.
    
    Limitation on Suits
    
    
    32SECTION 5.8.
    
    Unconditional Right of Holders to Receive Principal, Premium and
Interest; Direct Action by Holders of Preferred Securities
    
    
    33SECTION 5.9.
    
    Restoration of Rights and Remedies
    
    
    33SECTION 5.10.
    
    Rights and Remedies Cumulative
    
    
    33SECTION 5.11.
    
    Delay or Omission Not Waiver
    
    
    33SECTION 5.12.
    
    Control by Holders
    
    
    34SECTION 5.13.
    
    Waiver of Past Defaults
    
    
    34SECTION 5.14.
    
    Undertaking for Costs
    
    
    35SECTION 5.15.
    
    Waiver of Usury, Stay or Extension Laws
    
    
    35ARTICLE VIThe TrusteeSECTION 6.1.
    
    Corporate Trustee Required
    
    
    35SECTION 6.2.
    
    Certain Duties and Responsibilities
    
    
    36SECTION 6.3.
    
    Notice of Defaults
    
    
    37SECTION 6.4.
    
    Certain Rights of Trustee
    
    
    37SECTION 6.5.
    
    May Hold Securities
    
    
    39SECTION 6.6.
    
    Compensation; Reimbursement; Indemnity
    
    
    39SECTION 6.7.
    
    Resignation and Removal; Appointment of Successor
    
    
    40SECTION 6.8.
    
    Acceptance of Appointment by Successor
    
    
    41SECTION 6.9.
    
    Merger, Conversion, Consolidation or Succession to Business
    
    
    41SECTION 6.10.
    
    Not Responsible for Recitals or Issuance of Securities
    
    
    42SECTION 6.11.
    
    Appointment of Authenticating Agent
    
    
    42
 -ii-




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##### 



PageARTICLE VIIHolders Lists and Reports by Trustee and CompanySECTION 7.1.
    
    Company to Furnish Trustee Names and Addresses of Holders
    
    
    43SECTION 7.2.
    
    Preservation of Information, Communications to Holders
    
    
    44SECTION 7.3.
    
    Reports by Company and Trustee
    
    
    44ARTICLE VIIIConsolidation, Merger, Conveyance, Transfer or LeaseSECTION 8.1.
    
    Company May Consolidate, Etc., Only on Certain Terms
    
    
    45SECTION 8.2.
    
    Successor Company Substituted
    
    
    45ARTICLE IXSupplemental IndenturesSECTION 9.1.
    
    Supplemental Indentures without Consent of Holders
    
    
    46SECTION 9.2.
    
    Supplemental Indentures with Consent of Holders
    
    
    47SECTION 9.3.
    
    Execution of Supplemental Indentures
    
    
    47SECTION 9.4.
    
    Effect of Supplemental Indentures
    
    
    48SECTION 9.5.
    
    Reference in Securities to Supplemental Indentures
    
    
    48ARTICLE XCovenantsSECTION 10.1.
    
    Payment of Principal, Premium and Interest
    
    
    48SECTION 10.2.
    
    Money for Security Payments to be Held in Trust
    
    
    48SECTION 10.3.
    
    Statement as to Compliance
    
    
    49SECTION 10.4.
    
    Calculation Agent
    
    
    50SECTION 10.5.
    
    Additional Tax Sums
    
    
    50SECTION 10.6.
    
    Additional Covenants
    
    
    51SECTION 10.7.
    
    Waiver of Covenants
    
    
    52SECTION 10.8.
    
    Treatment of Securities
    
    
    52ARTICLE XIRedemption of SecuritiesSECTION 11.1.
    
    Optional Redemption
    
    
    52SECTION 11.2.
    
    Special Event Redemption
    
    
    53SECTION 11.3.
    
    Election to Redeem; Notice to Trustee
    
    
    53SECTION 11.4.
    
    Selection of Securities to be Redeemed
    
    
    53SECTION 11.5.
    
    Notice of Redemption
    
    
    54SECTION 11.6.
    
    Deposit of Redemption Price
    
    
    55SECTION 11.7.
    
    Payment of Securities Called for Redemption
    
    
    55
 -iii-




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##### 



PageARTICLE XIISubordination of SecuritiesSECTION 12.1.
    
    Securities Subordinate to Senior Debt
    
    
    55SECTION 12.2.
    
    No Payment When Senior Debt in Default; Payment Over of Proceeds Upon Dissolution, Etc.
    
    
    56SECTION 12.3.
    
    Payment Permitted If No Default
    
    
    57SECTION 12.4.
    
    Subrogation to Rights of Holders of Senior Debt
    
    
    57SECTION 12.5.
    
    Provisions Solely to Define Relative Rights
    
    
    58SECTION 12.6.
    
    Trustee to Effectuate Subordination
    
    
    58SECTION 12.7.
    
    No Waiver of Subordination Provisions
    
    
    58SECTION 12.8.
    
    Notice to Trustee
    
    
    59SECTION 12.9.
    
    Reliance on Judicial Order or Certificate of Liquidating Agent
    
    
    59SECTION 12.10.
    
    Trustee Not Fiduciary for Holders of Senior Debt
    
    
    60SECTION 12.11.
    
    Rights of Trustee as Holder of Senior Debt; Preservation of Trustees Rights
    
    
    60SECTION 12.12.
    
    Article Applicable to Paying Agents
    
    
    60
  Schedule A
    
    Determination of LIBORExhibit A
    
    Form of Junior Subordinated NoteExhibit B
    
    Form of Financial Officers CertificateExhibit C
    
    Form of Officers Certificate pursuant to Section 10.3
 -iv-




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##### 



Junior Subordinated Indenture UCBH
Holdings, Inc. Company Wilmington Trust Company Trustee
 Recitals of the Company
 Whereas Securities Trust Preferred Securities Common Securities Trust Securities
 Whereas
     Definitions.
  Article I Article I
     1




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##### 



Act Section 1.4
 Additional Interest
 Additional Tax Sums Section 10.5
 Additional Taxes
 Administrative Trustee
 Affiliate
 Applicable Depositary Procedures
 Authenticating Agent Section
6.11
 Bankruptcy Code
 Board of Directors
 Board Resolution
 2




---



##### 



Business Day
 Calculation Agent Section 10.4
 Capital Disqualification Event provided, however,
 Common Securities
 Common Stock
 Company Company Company
 Company Request Company Order
 Corporate Trust Office
 3




---



##### 



Debt
 Defaulted Interest Section 3.1
 Delaware Trustee
 Depositary
 Depositary Participant
 Distributions
 Dollar
 DTC
 Equity Interests
 Event of Default Section 5.1
 4




---



##### 



Exchange Act
 Expiration Date Section 1.4
 Extension Period Section 3.9
 Federal Reserve
 GAAP
 Global Security
 Government Obligation provided
 Guarantee Agreement
 Holder
 Indenture
 Interest Payment Date
 5




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##### 



Investment Company Act
 Investment Company Event
 LIBOR Schedule A
 LIBOR Business Day Schedule A
 LIBOR Determination Date Schedule A
 Liquidation Amount
 Maturity
 Major Bank Subsidiary,
 Notice of Default Section 5.1(d)
 Officers Certificate
 Opinion of Counsel
 6




---



##### 



Original Issue Date
 Outstanding
  provided
  provided
 Paying Agent
 Person
 Place of Payment
 7




---



##### 



Placement Agent
 Preferred Securities
 Predecessor Security Section 3.6
 Proceeding Section 12.2
 Property Trustee
 Purchasers
 Redemption Date
 Redemption Price
 Reference Banks Schedule A
 Regular Record Date
 Responsible Officer
 Rights Plan
 8




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##### 



Securities Security
 Securities Act
 Securities Register Securities Registrar Section 3.5
 Senior Debt provided, however, provided further,
 Special Event
 Special Event Redemption Price Section 11.2
 9




---



##### 



Special Record Date Section 3.1
 Stated Maturity
 Subscription Agreements
 Subsidiary
 Tax Event de minimis
 Trust
 Trust Agreement
 10




---



##### 



Trustee Trustee Trustee
 Trust Indenture Act
 Trust Securities
 Compliance Certificate and Opinions.
  Section 10.3
     Forms of Documents Delivered to Trustee.
  11




---



##### 



Acts of Holders.
 Act Section 1.4
  12




---



##### 



Section 1.4 provided Section 1.6
 Section
5.2 Section 5.7(b) Section 5.12 provided
 13




---



##### 



Section 1.6
 Section
1.4 Expiration Date provided Section 1.6 Section 1.4 th th
 Notices, Etc.
      14




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##### 



Notice to Holders; Waiver.
  Effect of Headings and Table of Contents.
  Successors and Assigns.
 Article VIII
 Separability Clause.
  Benefits of Indenture.
 Sections 5.2 5.8 5.9 5.11
 15




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##### 



5.13 9.2 10.7
 Governing Law.
  Submission to Jurisdiction.
  Non-Business Days.
    Form of Security.
 Exhibit A
 16




---



##### 



Restricted Legend.
 Exhibit A
  Form of Trustees Certificate of Authentication.
 Exhibit A
 Temporary Securities.
   Definitive Securities.
  17




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##### 



Payment of Principal and Interest.
   Defaulted Interest
 Special Record Date
 18




---



##### 



Section 3.1
 19




---



##### 



Denominations.
  Execution, Authentication, Delivery and Dating.
     Section 3.8
 20




---



##### 



Global Securities.
   Article III
 21




---



##### 



22




---



##### 



Registration, Transfer and Exchange Generally.
 Securities Register Securities Registrar Article VI
 Section 2.2(b)
     Section 3.5 Article XI
  23




---



##### 



Mutilated, Destroyed, Lost and Stolen Securities.
  bona fide
  Section 3.6
 Section 3.6
 Section 3.6
 Persons Deemed Owners.
  24




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##### 



Cancellation.
 Section
3.8
 Deferrals of Interest Payment Dates.
 Sections 5.1(c) (e) (f) (g) (h) Extension Period provided provided Sections 5.1(c) (e) (f) (g) (h)
 25




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##### 



Section 10.6(a)
 Right of Set-Off.
 Section 5.8
 Agreed Tax Treatment.
  CUSIP Numbers.
 provided
   Satisfaction and Discharge of Indenture.
 Section 4.1
 26




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##### 



Section 3.6 Section 10.2
  (A)
    
    have become due and payable, or(B)
    
    will become due and payable at their Stated
Maturity within one year of the date of deposit, or(C)
    
    are to be called for redemption within one year
under arrangements satisfactory to the Trustee for the giving of notice
of redemption by the Trustee in the name, and at the expense, of the
Company,
    Section 6.6 Section 6.11
 27




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##### 



Section 4.1 Section
4.2 Section 10.2(e)
 Application of Trust Money.
 Section 10.2(e) Section 4.1 Section 3.1 Section 4.2 Article XII
   Events of Default.
 Event of Default
      28




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##### 



Acceleration of Maturity; Rescission and Annulment.
 Sections 5.1(c) (e) (f) (g) (h) Sections 5.1(c) (e) (f) (g) (h)
 29




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##### 



Article V
  (A)
    
    all overdue installments of interest on all
Securities,(B)
    
    any accrued Additional Interest on all
Securities,(C)
    
    the principal of and any premium on any
Securities that have become due otherwise than by such declaration of
acceleration and interest (including any Additional Interest) thereon
at the rate borne by the Securities, and(D)
    
    all sums paid or advanced by the Trustee
hereunder and the reasonable compensation, expenses, disbursements and
advances of the Trustee, the Property Trustee and their agents and
counsel; and
 Section 5.13
 provided Section 5.2
 Collection of Indebtedness and Suits for Enforcement by Trustee.
    30




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##### 



Section 6.6
   Trustee May File Proofs of Claim.
 Section 6.6
 Trustee May Enforce Claim Without Possession of Securities.
 Article XII Section 6.6
 31




---



##### 



Application of Money Collected.
 Article V
 Section 6.6
 Article XII
 Article XII
  Limitation on Suits.
 Section 5.8
      32




---



##### 



Unconditional Right of Holders to Receive Principal, Premium and Interest;
Direct Action by Holders of Preferred Securities.
 Section 5.1(a) Section 5.1(b) Section 5.1(c)
 Restoration of Rights and Remedies.
  Rights and Remedies Cumulative.
 Section 3.6(f)
 Delay or Omission Not Waiver.
 Article V
 33




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##### 



Section 5.8
 Control by Holders.
 provided
   Section 6.2
 Waiver of Past Defaults.
   Article IX
   34




---



##### 



Undertaking for Costs.
 Section 5.14
 Waiver of Usury, Stay or Extension Laws.
    Corporate Trustee Required.
 Section 6.1 Section 6.1 Article VI
 35




---



##### 



Certain Duties and Responsibilities.
   provided
  Section 6.2
    36




---



##### 



Notice of Defaults.
 provided provided further Section 5.1(d) Section 6.3
 Certain Rights of Trustee.
 Section 6.2
  provided
 37




---



##### 



38




---



##### 



Article VI
 May Hold Securities.
  Compensation; Reimbursement; Indemnity.
     39




---



##### 



Section 6.6
 Section 6.6
   Resignation and Removal; Appointment of Successor.
 Article VI Section 6.8
   Section 6.8
 40




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##### 



Section 6.8 Section 6.8
 Section 1.6
 Acceptance of Appointment by Successor.
  Section 6.8
 Article VI
 Merger, Conversion, Consolidation or Succession to Business.
 provided Article VI Section 6.9
 41




---



##### 



Not Responsible for Recitals or Issuance of Securities.
  Appointment of Authenticating Agent.
 Section 3.6 Section 6.11 Section 6.11 Section 6.11
 Section 6.11
  42




---



##### 



Section 6.11 Section 6.11
 Section 6.11
 Section
6.11
   WILMINGTON TRUST COMPANY, not in its individual
capacity, but solely as TrusteeAuthenticating AgentBy:Authorized Officer
   Company to Furnish Trustee Names and Addresses of Holders.
    43




---



##### 



Preservation of Information, Communications to Holders.
 Section 7.1 Section 7.1
   Reports by Company and Trustee.
  Exhibit B
  44




---



##### 



Company May Consolidate, Etc., Only on Certain Terms.
    Article VIII Section 8.1
 Successor Company Substituted.
 Section 8.1 Section 8.1(a)
 45




---



##### 



Supplemental Indentures without Consent of Holders.
   provided
 provided
 provided
 46




---



##### 



Supplemental Indentures with Consent of Holders.
 provided
   Section 9.2 Section 5.13 Section 10.7
 provided, further, Section 9.2 provided, further,
 Section 9.2
 Execution of Supplemental Indentures.
 Article IX
 47




---



##### 



Effect of Supplemental Indentures.
 Article IX
 Reference in Securities to Supplemental Indentures.
 Article IX
   Payment of Principal, Premium and Interest.
  Money for Security Payments to be Held in Trust.
   48




---



##### 



Section 10.2
  provided
 Statement as to Compliance.
 Exhibit C
 49




---



##### 



Calculation Agent.
 Schedule A Calculation Agent
 Schedule A
 Additional Tax Sums.
 Section 1.1
 50




---



##### 



Additional Tax
Sums Section 10.5 Section 10.5 provided Section 3.9
 Additional Covenants.
 pari passu pari passu
 51




---



##### 



provided
 Waiver of Covenants.
 Section 10.6
 Treatment of Securities.
    Optional Redemption.
 provided
 52




---



##### 



Special Event Redemption.
  Special Event Redemption Duringthe 12-Month Period Beginning January 30,
    
    Percentage of Principal Amount2008
    
    102.80%2009
    
    102.10%2010
    
    101.40%2011
    
    100.70%2012 and thereafter
    
    100.00%
 provided
 Election to Redeem; Notice to Trustee.
 Section 11.5
 Selection of Securities to be Redeemed.
 provided
 53




---



##### 



Section 11.4
 Notice of Redemption.
         54




---



##### 



Deposit of Redemption Price.
 Section 11.5 Section 10.2
 Payment of Securities Called for Redemption.
 Section 11.5
     Securities Subordinate to Senior Debt.
 Article XII
 55




---



##### 



No Payment When Senior Debt in Default; Payment Over of Proceeds Upon
Dissolution, Etc.
  Proceeding
  56




---



##### 



Section 12.2
  Payment Permitted If No Default.
 Article XII Section 12.2 Section
12.2 Section 12.8 Article XII Section 12.8
 Subrogation to Rights of Holders of Senior Debt.
 Article XII
 57




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##### 



Article XII Article XII
 Provisions Solely to Define Relative Rights.
 Article XII Article XII Article XII
 Trustee to Effectuate Subordination.
 Article XII
 No Waiver of Subordination Provisions.
  Section 12.7
 58




---



##### 



Article XII
 Notice to Trustee.
 Article XII provided Section 12.8
 Article XII Article XII
 Reliance on Judicial Order or Certificate of Liquidating Agent.
 Article
XII
 59




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##### 



Article XII
 Trustee Not Fiduciary for Holders of Senior Debt.
 Article XII
 Rights of Trustee as Holder of Senior Debt; Preservation of Trustees Rights.
 Article XII Section 6.6
 Article Applicable to Paying Agents.
 Trustee Article XII Article XII provided Sections 12.8 12.11
   60




---



##### 



UCBH HOLDINGS, INC.By:Name:Title: WILMINGTON TRUST COMPANY, not in its individual
capacity, but solely as TrusteeBy:Name:Title:




---



##### 



Schedule A
  LIBOR
 LIBOR Determination Date
 provided
 Reference Banks LIBOR Business Day
 Schedule A-1




---



##### 



Exhibit A
  IF THIS SECURITY IS A GLOBAL SECURITY INSERT:




---



##### 



Exhibit A
   ERISA CODE PLAN




---



##### 



Exhibit A




---



##### 



Exhibit A
   No.
    
    $
 Company if the Security is a
Global Security, then insert Section 10.5 provided




---



##### 



Exhibit A
  Sections 5.1(c) (e) (f) (g) (h) Extension Period provided provided Sections 5.1(c) (e) (f) (g) (h) th




---



##### 



Exhibit A
 pari passu pari passu




---



##### 



Exhibit A




---



##### 



Exhibit A
  UCBH HOLDINGS, INC.By:Name:Title:   WILMINGTON TRUST COMPANY, not in
its individual capacity but solely as TrusteeBy:Authorized Officer




---



##### 



Exhibit A
  Securities Indenture Trustee
 Trust Agreement Trust
 Article XI provided
 Article XI provided




---



##### 



Exhibit A




---



##### 



Exhibit B
   
 Tier 1 Risk Weighted Assets
    
    %Ratio of Double Leverage
    
    %Non-Performing Assets to Loans and OREO
    
    %Tangible Common Equity as a Percentage of Tangible Assets
    
    %Ratio of Reserves to Non-Performing Loans
    
    %Ratio of Net Charge-Offs to Loans
    
    %Return on Average Assets (annualized)
    
    %Net Interest Margin (annualized)
    
    %Efficiency Ratio
    
    %Ratio of Loans to Assets
    
    %Ratio of Loans to Deposits
    
    %Double Leverage (exclude trust preferred as equity)
    
    %Total Assets
    
    $Year to Date Income
    
    $
 
 *
    
    A table describing the quarterly report calculation procedures is attached. FOR FISCAL YEAR END
 FOR FISCAL QUARTER END




---



##### 



Name:Title:UCBH Holdings, Inc.555 Montgomery StreetSan Francisco, CA 94111(415) 315-2800




---



##### 



Report Item
    
    Corresponding FRY-9C or LP Line Items with Line
    
    Description of CalculationItem corresponding SchedulesTier 1 Risk Weighted Assets
    
    BHCK7206
Schedule HC-R
    
    Tier 1 Risk Ratio: Core Capital (Tier 1)/Risk-Adjusted AssetsRatio of Double
Leverage
    
    (BHCP0365)/(BCHCP3210)
Schedule PC in the LP
    
    Total equity investments
in subsidiaries divided by
the total equity capital.
This field is calculated
at the parent company
level. Subsidiaries
include bank, bank holding
company, and non-bank
subsidiaries.Non-Performing
Assets to Loans and
OREO
    
    (BHCK5525-BHCK3506+BHCK5526-BHCK3507+BHCK2744/(BHCK2122+BHCK2744)
Schedules HC-C, HC-M & HC-N
    
    Total Nonperforming Assets (NPLs+Foreclosed Real Estate+Other Nonaccrual & Repossessed Assets)/Total Loans+Foreclosed Real EstateTangible Common Equity as a Percentage of Tangible Assets
    
    (BHDM3210-BHCK3163)/(BHCK2170-BHCK3163)
Schedule HC
    
    (Equity Capital 
Goodwill)/(Total Assets  Goodwill)Ratio of Reserves to Non-Performing Loans
    
    (BHCK3123+BHCK3128)/(BHCK5525-BHCK3506+BHCK5526-BHCK3507) Schedules HC & HC-N & HC-R
    
    Total Loan Loss and
Allocated Transfer Risk
Reserves/ Total
Nonperforming Loans
(Nonaccrual + Restructured)Ratio of Net Charge-Offs to Loans
    
    (BHCK4635-BHCK4605)/(BHCK3516)
Schedules HI-B & HC-K
    
    Net charge offs for the
period as a percentage of
average loans.Return on Average Assets (annualized)
    
    (BHCK4340/BHCK3368)
Schedules HI & HC-K
    
    Net Income as a percentage of Assets.Net Interest Margin (annualized)
    
    (BHCK4519/(BHCK3515+BHCK3365+BHCK3516+BHCK3401+BHCKB985) Schedules HI Memorandum and HC-K
    
    (Net Interest Income Fully Taxable Equivalent, if available/Average Earning Assets)Efficiency Ratio
    
    (BHCK4093)/(BHCK4519+BHCK4079)
Schedule HI
    
    (Non-interest Expense)/(Net Interest Income Fully Taxable Equivalent, if available, plus Non-interest Income)Ratio of Loans to Assets
    
    (BHCKB528+BHCK5369)/(BHCK2170)
Schedule HC
    
    Total Loans & Leases (Net of Unearned Income & Gross of Reserve)/Total AssetsRatio of Loans to Deposits
    
    (BHCKB528+BHCK5369)/(BHDM6631+BH DM6636+BHFN6631+BHFN6636) Schedule HC
    
    Total Loans & Leases (Net
of Unearned Income & Gross
of Reserve)/Total Deposits
(Includes Domestic and
Foreign Deposits)




---



##### 



Report Item
    
    Corresponding FRY-9C or LP Line Items with Line
    
    Description of CalculationItem corresponding SchedulesTotal Assets
    
    (BHCK2170)
Schedule HC
    
    The sum of total assets.
Includes cash and balances
due from depository
institutions; securities;
federal funds sold and
securities purchased under
agreements to resell;
loans and lease financing
receivables; trading
assets; premises and fixed
assets; other real estate
owned; investments in
unconsolidated
subsidiaries and
associated companies;
customers liability on
acceptances outstanding;
intangible assets; and
other assets.Net Income
    
    (BHCK4300)
Schedule HI
    
    The sum of income
(loss)before extraordinary
items and other
adjustments and
extraordinary items; and
other adjustments, net of
income taxes.
 2




---



##### 



specify each such
default and the
nature and status thereof
   Name:Title:
    
    [Must be the Chairman of the Board,
a Vice Chairman of the Board, the
Chief Executive Officer, the
President, or a Vice President] of
UCBH Holdings, Inc.Name:Title:
    
    [Must be the Chief Financial Officer,
the Treasurer, an Assistant Treasurer,
the Secretary or an Assistant
Secretary] of UCBH Holdings, Inc.
 3