CONVENIENCE

United offers the most widely accepted cards in the world with a variety of different options to make your banking easier.

Also, United offers a no annual fee Natural Choice Credit Card and VISA Platinum Credit Card. Each card has different options, giving you a wide selection from which to choose.

It's a simple way to have one-card shopping convenience 365 days a year at countless stores everywhere. You can also have the security of knowing that you can get on-the-spot cash advances at home or away. We also have credit line access checks available. They let you write an instant personal loan for any amount up to your available credit limit -- great for when you're in a jam and want to buy it, but they don't accept credit cards. You may also use your Credit Card to access a network of automated teller machines across the United States and around the world. Shopping convenience in a single monthly statement with easy-to-budget extended payment terms.

For more information see a customer service representative
or call 1.800.730.6169.

LOST or STOLEN United Bank VISA® or MasterCard® Credit Cards
Call 1.800.242.7600

VISA PLATINUM CREDIT CARD

United's Visa Platinum Card provides you a great and easy way to save!
Your 1% rebate on all purchases made within the Continental United States can be deposited to a Visa Platinum Rewards Account or credited to your Platinum Credit Card.

Personal Identity Theft Coverage helps safeguard Visa consumer cardholders against certain losses resulting from identity theft. Active cardholders may be reimbursed up to $1,000 for costs incurred such as lost wages as a direct result of the identity theft, costs incurred to obtain credit reports, notarization of affidavits, long distance calls, postage, and certain legal fees.

Travel Accident Insurance - You are automatically enrolled in our accidental death and dismemberment coverage of up to $250,000 when the entire travel fare is charged to your Visa Platinum and a covered loss occurs.

Purchase Security and Extended Protection protects most purchases for the first 90 days from the date of purchase in the event of loss, theft, damage, or fire. Extended protection doubles the free repair period offered under the original manufacturer's written repair warranty, up to one additional year on eligible warranties of five years or less.

Customer Service - United's Online Credit Card Service provides access to your credit card information 24/7. Monitor your account activity, view transactions, make payments online and much more!

Pay Ahead Feature - Payment in excess of the Minimum Monthly Payment may, under the circumstances more fully explained in the Cardholder Agreement, eliminate or reduce your minimum monthly payment.

NATURAL CHOICE CREDIT CARD

The advantages that make United's credit card the natural choice:

• United's Rebate Program earns 1% rebate on VA, MD, DC, OH and WV purchases.
• There's no annual fee, and no minimum finance charge. Period.
• There's no transaction fee for purchases.
• Plus, you have at least a full 25-day grace period in which to repay your total balance before incurring any finance charges on purchases.
• Convenience checks are available to help you transfer balances from higher-rate cards, or for making purchases.
• Pay Ahead Feature … Payments in excess of the Minimum Monthly Payment will, under the circumstances more fully explained in the Cardholder Agreement, eliminate or reduce minimum monthly payments.

THE UNITED GOLD MASTERCARD

More Prestige, More Purchasing Power, More Preferred Treatment Gold MasterCard is your passport to the best shopping, the finest dining, exotic travel, luxurious lodging, and entertainment that's first class. Wherever you go, your Gold MasterCard will bring you instant recognition as a select individual of the highest credit standing who expects and deserves the finest in service and accommodations.

Higher Line of Credit Your Gold MasterCard gives you a generous credit limit. The amount of your credit line can be tailored to your individual needs.

Travel Accident Insurance You automatically receive $250,000 Common Carrier Travel Accident Insurance free when you use your card to charge fares for yourself and your family.

Personalized Checks *Upon Request To enhance your purchasing power you will also receive personalized checks (*Upon Request) to use whenever writing a check is more convenient or where your card may not be accepted. Your checks will be charged as Cash Advances to your credit card account.

Cash Advance Privileges Around the World You can obtain instant cash up to your available limit at nearly 370,000 locations worldwide.

Pay Ahead Feature Payments in excess of the Minimum Monthly Payment will, under the circumstances more fully explained in the Cardholder Agreement, eliminate or reduce minimum monthly payments.