Online Banking

Notice of Changes

NOTICE OF CHANGES IN TEMPORARY FDIC INSURACE 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.

Consumer Lending

Automobile Loans

Union Bank offers vehicle loans for new and used automobiles less than ten years old. NADA values are used in the calculation of amounts loaned.

Personal Loans

Secured and unsecured personal loans are available for a variety of circumstances. Loans may be collateralized by a variety of methods including the purpose of the funding such as a four wheeler, boats, and motorcycles. Loans may also be secured by a co-signer, savings account, or a Certificate of Deposit.

Mortgage

Union Bank offers financing for purchases, refinances, and investment homes. We offer construction loans and construction to permanent financing.

Mobile Home Loans

Union Bank finances both new and used mobile homes preferable affixed to property. Values are determined through the use of NADA values