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The Economy in 2007, Emergent Issues, Property Values, Expanding Markets

| 12/1/2006

Alfred Camner

Chairman/CEO
BankUnited Financial Corp.

Productivity

Examples of improved technology that are most effective in our organization's performance include new methods of reviewing and setting up mortgage loans, various upgrades to existing platforms and expansion of our online banking system.

In the banking industry, security is obviously a crucial concern, and we rolled out a multi-layered authentication system in the fall of 2006. We have new employee training on existing systems and upgrades, and we do training on an ongoing basis. Some employees attend outside academies in train-the-trainer scenarios, but we rarely work with consultants to examine ways to improve productivity; we use mostly in-house trainers and training. With regard to incentives at BankUnited, process improvement and productivity are two of the elements we use to make annual bonus calculations.

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