UB Business Accounts Disclosures

1. Super-Now Business Checking --
This is an interest bearing account available to sole proprietors only.

Minimum Balance $1,000 to avoid fee Monthly Fee None if average daily balance of $1,000 is maintained. $10 if average daily balance falls below $1,000 Monthly Activity Charges Checks paid/other debits: $.10/item Deposited items*--United Bank/Free Deposited items* -Local: $.04/item Deposited items* -Other: $.08/item Interest Minimum daily collected balance of $1000 required to earn interest. No interest earned on days when minimum daily collected balance is less than $1000. Interest paid uses same rate as the earnings credit on Business Analysis Checking. Check Order Fees First order of UB Quick Checks is free:  cost varies according to style and quantity for subsequent orders. UB Visa** Business VISA Card issued in business name & individual cardholder Online Banking eCorp*** -- $15/month Overdraft Protection May be linked to a Revolving Line of Credit (subject to approved application)

* Ask your Business Banker to explain how deposited items are determined
** Subject to approved application
***eCorp is our online business banking product: a separate agreement is required

2. Free Small Business Checking --
UB Free Small Business Checking was designed with the small business in mind.  Ideal for in-home and start-up business, this account works best for those keeping a lower balance.  It also works well for those with minimal monthly activity.

Minimum Balance None Monthly Fees None Monthly Activity Charges Up to 120 transactions* - free 120+ transacrions* - $.30/each Interest** None Check Order Fees First order of UB Quick Checks is free: cost varies according to style/quantity for subsequent orders. UB Visa*** Issued in business name & individual cardholder Online Banking eCorp - $15/month (eCorp is our online business banking product; a separate agreement is required) Overdraft Protection*** May be linked to a Revolving Line of Credit

* Total transactions = aggregated debits & credits (including checks that make up deposit)
** Under Federal Law, for profit businesses cannot earn interest on their checking account unless they
are operated as a sole-proprietorship.
***Subject to approved application

3. Business Analysis Checking --
Designed for the larger business.  This account receives a monthly earnings credit which is used to offset the monthly fee and activity charges.

Minimum Balance None Monthly Fees $5.00 Monthly Activity Charges Checks paid/Other debits: $.10/item Deposited items -- United Bank: Free Deposited items -Local: $.04/item Deposited items -Other: $.08/item Earnings Credit** Collected balances earn a competitive market rate based on 75% of the current 4-week average yield on 90-day Treasury Bill. Earnings are then applied against monthly activity charges. Check Order Fees First order of UB Quick Checks is free: cost varies according to style/quantity for subsequent orders. UB Visa*** Issued in business name & individual cardholder Online Banking eCorp - $15/month (eCorp is our online business banking product; a separate agreement is required) Overdraft Protection*** May be linked to a Revolving Line of Credit

*Ask your Business Banker to explain how deposited items are determined
** Under Federal Law, for profit businesses cannot earn interest on their checking account unless they
are operated as a sole-proprietorship. Analysis recognises the value of your balances and provides a way to offset charges.
***Subject to approved application

4. Desktop Direct Checking --
Working in conjunction with UB eCorp & Remote Deposit, Desktop Direct allows you to bank from the comfort of your own office. eCorp is our fast, easy & secure online business banking product. Remote Deposit is a convenient way to deposit checks from your desktop.

Desktop Direct I Desktop Direct II Desktop Direct III Minimum Balance $10,000.00 $25,000.00 $50,000.00 Monthly Fees $20 (if average daily balance falls below $10,000) $50 (if average daily balance falls below $25,000) $75 (if average daily balance falls below $50,000) Monthly Activity Charges* First 240 transactions free: $.10/each thereafter First 240 transactions free: $.10/each thereafter First 240 transactions free: $.10/each thereafter Start-up Cost $1500 for scanner & $50 fee $1500 for scanner $250 for first scanner (Addt’l $1500 each) Check Order Fees First UB Quick Check order free First UB Quick Check order free First UB Quick Check order free eCorp Free Free Free Overdraft Protection May be linked to a Revolving Line of Credit May be linked to a Revolving Line of Credit May be linked to a Revolving Line of Credit Remote Deposit $50/month $50/month $50/month UB Visa Issued in business name & individual cardholder Issued in business name & individual cardholder Issued in business name & individual cardholder

*Total transactions = aggregated debits & credits (including checks that make up deposit)
**Subject to approved applications

Check out United Bank’s Online Banking for ease of access to your accounts any time of day or night. Print out statements  or daily transactions