Welcome 

On behalf of the Board of Directors, management and staff, it is my pleasure to welcome you. In July of 2009, United Bancorp, the holding company of United Trust Bank, sold stock and brought in over 60 new shareholders. Together with the existing shareholders they have help strengthen the Bank's capital position so that management can develop a strong and safe growth of the Bank's assets and profits. Many of United Bancorp’s Shareholders live and work in the Southwest Suburban area and are very interested in helping those community's businesses and citizens in their Banking needs. United Trust Bank has worked diligently over the past year to strengthen its capital position, expand its management team and enhance its retail and commercial banking products and services. I am pleased to report that we are succeeding on all fronts.

With a solid balance sheet and a strong well capitalized position of assets, we are excited to extend a warm welcome to new deposit customers and responsible borrowers in need of fixed rate home mortgages, home equity loans and commercial/industrial real estate loans. I hope you will consider United Trust Bank for all your banking needs and those of your family, friends and business associates. We look forward to serving as Your Community Bank in the near future.

Sincerely,

John P. Hyland

President and CEO

United Trust Bank is an independent community bank. It was formed in 1999 by a group of investors. United Trust Bank is wholly owned by United Bancorp.