United Express I Non interest bearing account No monthly service charge Minimum balance to open account – $50 Statement processing – 15th of each month No checks or images returned with statement Debit MasterCard® or ATM card available Free Internet Banking & Online Bill Pay Seniors at age 55 qualify for special account features

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United Express III Non interest bearing account $10 monthly service charge Minimum balance to open account – $50 Unlimited check writing Statement processing - last business day of each month Image checks are sent with monthly statement Debit MasterCard® or ATM card available Free Internet Banking & Online Bill Pay Seniors at age 55 qualify for special account features

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United Premier I * Interest bearing account $5 monthly service charge; service charge can be avoided by maintaining a $500 average balance per statement cycle Minimum balance to open account – $500 Unlimited check writing Must maintain $500 average balance per statement cycle to earn interest Statement processing – 15th of each month No checks or images returned with statement Debit MasterCard® or ATM card available Free Internet Banking & Online Bill Pay

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United Premier III * Interest bearing account $10 monthly service charge Minimum balance to open account – $500 Unlimited check writing Must maintain $500 average balance per statement cycle to earn interest Statement processing - last business day of each month Image checks are sent with monthly statement Debit MasterCard® or ATM card available Free Internet Banking & Online Bill Pay

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United Platinum I              Money Market Account * Interest bearing account $5 monthly service charge; service charge can be avoided by maintaining a $500 average balance per statement cycle Minimum balance to open account – $500 Must maintain $500 average balance per statement cycle to earn interest Tiered interest rate account Statement processing - 15th of each month No checks or images returned with statement Transaction limitations apply to this account Free Internet Banking

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United Platinum III           Money Market Account * Interest bearing account $10 monthly service charge Minimum balance to open account – $500 Must maintain $500 average balance per statement cycle to earn interest Tiered interest rate account Statement processing - last business day of each month Image checks are sent with monthly statement Transaction limitations apply to this account Free Internet Banking

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United Platinum Plus        Money Market Account * Interest bearing account Minimum balance to open account – $50,000 Tiered interest rate account Statement processing - last business day of each month Image checks are sent with monthly statement Transaction limitations apply to this account Free Internet Banking

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*Please consult with a Customer Service Representative for current rates

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

 All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

 The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

 For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

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