Rates

Mortgage Interest Rates Current as of May14, 2013. For current rates call 636-583-2555
Loan Product	Interest Rate	APR*	Monthly P & I
30-Yr. Fixed (360 Pmts.)	3.500%	3.529%	$561.31
20-Yr. Fixed (240 Pmts.)	3.25%	3.290%	$708.99
15-Yr. Fixed (180 Pmts.)	2.625%	2.676%	$840.86
10-Yr. Fixed (120 Pmts.)	2.50%	2.566%	$1178.37

* Rates are quoted with NO POINTS. The quoted Annual Percentage Rate (APR) assumes a 20 percent down payment and a loan balance of $125,000 and an anticipated 30 day rate lock period. If the down payment is less than 20 percent, mortgage insurance may be needed which could increase the APR. Payments shown above do not include taxes and insurance premiums, if applicable, the actual payment obligation will be greater. Rates and terms are subject to change without notice.

Conforming Payment Notice
Loans Secured by Consumer's Principal Dwelling

All loan payments must be accompanied by the account number, payment notice or payment coupon provided. Loan payments may be sent to: United Bank of Union, P O Box 500 or 15 E. Main Street, Union MO 63084. Loan payments may also be made in person or to bank personnel at any of our Banking Centers.

Payments must be received by 5:00 P.M. Central Time, Monday through Friday to be credited as of that date with the exception of bank holidays. Payments received after the stated cut off time of 5:00 P.M. will be credited as of the next business day or as otherwise permitted by law.

Loan payments originated through United Bank of Union's Online Banking will be applied to the specified loan account if initiated by 5:00 P.M. Central Time, Monday through Friday. Loan payments originated after the stated cut off time of 5:00 P.M. will be credited as of the next business day or otherwise permitted by law.

Length of Term	Interest Rate	APY*
CD's
91 Days	0.18%	0.18%	Open \| Renew
6 Month	0.20%	0.20%	Open \| Renew
12 Month	0.50%	0.50%	Open \| Renew
18 Month	0.75%	0.75%	Open \| Renew
24 Month	0.60%	0.60%	Open \| Renew
36 Month	.95%	.95%	Open \| Renew
48 Month	1.05%	1.05%	Open \| Renew
60 Month	1.20%	1.21%	Open \| Renew
Step-Up CD's**
36 Month Step-Up	.95%	.95%	Open \| Renew
60 Month Step-Up	1.20%	1.21%	Open \| Renew

Have a Checking Account with us? If customer has current checking account with United Bank of Union at time of CD initial deposit, you can add .10% to the interest rate. Applies to personal accounts only. Automatic renewals are not included. On renewed CDs, CDs must be rewritten. The 10 basis points also applies to new money for customers who have a checking account with us. Checking account must be open for 30 days and recieves deposits at least monthly for payroll, support, SSI or pension checks to be eligible. Direct Deposit not required but preferred. Exceptions can be made for people just moving into our area.

*Annual Percentage Yield (APY) is accurate as of May14, 2013 and is based on the minimum opening deposit of $500.00 and quarterly compounding assuming principal and interest remain on deposit. Substantial penalty for early withdrawal.
**Rates may change on Step-Up CD's.

Account	Interest Rate	APY*
Checking
Rebel Plus	0.10%	0.10%
NOW	0.10%	0.10%
Seniority	0.10%	0.10%
Money Market
Under $1,000	0.10%	0.10%
$1,000-$9,999.99	0.10%	0.10%
$10,000-24,999.99	0.20%	0.20%
$25,000-49,999.99	0.30%	0.30%
$50,000 and over	0.35%	0.35%
$250,000 and over	0.40%	0.40%

Savings
Regular Statement Savings	0.10%	0.10%
Ultimate Savings $000 - 49,999.99	0.10%	0.10%
Ultimate Savings $50,000 & 249,999.99	0.50%	0.50%
Ultimate Savings $250,000 & Over	0.60%	0.60%

*A minimum of $25.00 dollars is required to open a regular statement savings account. A minimum of $50,000.00 is required to open any Ultimate Savings account.

*Annual Percentage Yield (APY) is accurate as of May 14, 2013 and is based on interest compounding monthly. After account is opened, rates are subject to change without notification. Certain fees may reduce earnings. $1.00 minimum balance is required to obtain advertised annual percentage yield.