New Online Banking

IMPORTANT NEW INFORMATION BELOW!!

United Bank is proud to offer you a NEW and BETTER Online Banking product. With the help of the Internet, you will have  full service access to your accounts in a completely secure environment.  At home or office, you will be able to do everything from reviewing your  balances to transferring funds,
and reviewing your account statements.

Under 24 Hour Banking is a link to Online Banking. It is very  user-friendly. Follow the instructions
in the letter you have received, or the instructions here.

To logon as a first time user, have your account number ready,  whether a checking, savings, or
loan, and your Social Security number. For initial logon, click on First Time User.

1. On the ID line, use the  chosen account number (match with the type from the drop down
   box next to that line). Find the account number on the bottom of your checks  (Not the 091806381 but the next number) or the top of your last statement.
   
    
2. On the Password line, put  the last 4 digits of your SS#.
   
    
3. It will then bring up a new page for you to create a user ID ( a nickname, perhaps) and
   a new  password. Both this new user ID and new password must be at least 6 characters,
   and have at least one number in it. Once you are done with that, you can access your
   accounts online!

The next time you logon, do not use  First Time User, but use the regular logon on that page.

Look around at what is available. Statements are listed under Documents. Transactions are
listed under transactions. Choose the account you want to look at, and the information will
come up.

If you are comfortable using your browser, you will be comfortable with  this personal banking
product.

Security is extremely important when it comes to your financial matters. Complete privacy,
controlled through encryption and passwords, ensures only authorized access to your accounts.
You will initially set up a  user ID and password to use with Internet Banking. No Social Security number is used as a logon ID, adding to financial security.

A personal computer with Internet access is all that is required to get  started. for your Internet
browser, you will need either Internet Explorer 5.0 (or greater) from Microsoft Corporation, or
Netscape’s Navigator 4.72 (or greater). Note: Internet Explorer 5.5 or Netscape 
Communicator 6.1 are required to access some export options.

Online Bill Pay is now available. Pay bills in seconds, not hours!

Now you’re in control when it’s time to pay bills. With United Bank’s Bill Pay, you decide how
much to pay, who to pay and when.

It’s Easy.
All you need is a United Bank checking account and access to United Bank’s Online Banking
web page.

• Classic Bill Pay:
• Pay your bills 24 hours a day, 7 days a week.
• Out of town? No worries.  Pay your bills while on vacation, at the office, from home,
  or anywhere you have access to the Internet.
• Pay one-time bills and schedule regular payments to be automatically processed
  on the days you choose.
• View your payment history. View, add to or edit your list of payees anytime.
   
  Bill Pay Plus: This is NEW
• Pay bills from multiple checking accounts at United Bank
• Pay any customers that have e-mail or a postal address
• Get Bill Pay reminders
• Monthly fee of $2.00 for Bill Pay Plus
• Choose this option at sign up. (Existing Bill Pay customers must contact United Bank to have their Bill Pay account changed to this.)