When considering reasons to invest in United Bank, you have to consider what it means to be a part of a
community bank. United Bank thrives when our customers and communities do the same. Taking care of our
customers, and our shareholders, and looking out for the best interest of our communities is ingrained in
the way we conduct business each and every day. By investing in United Bank through our parent company,
United Bancorporation of Alabama, Inc., our shareholders make a real difference in the lives of their
neighbors and the future of their community. The money they invest will be used in ways that drive our local
economies. Our products and services offer the best value for the least cost to the client. And, the loans
we make help businesses grow and families be successful. The return on your investment--the difference you
make in your community as a shareholder--is even greater than the dividends the bank shares with its
investors.