United Community Bank is a locally owned commercial bank serving the needs of its communities, businesses and citizens with a full range of traditional and innovative financial services, while delivering the highest level of customer service available. With locations in Milford, Okoboji, Hartley, Ocheyedan and Lake Park, United Community Bank is now in excess of $202 million in assets. Mark C. Fisher, President/CEO and Board Member of United Community Bank, announced the retirement of its Chairman, James W. Cravens, and the appointment of James P. Cravens, as Chairman of the Board. Steven G. Feld, UCB Executive Vice President and Secretary to the Board, has been appointed to the Board. James W. Cravens has been dedicated to the banking in- dustry for over 69 years, having begun his career in 1944. He has served as Chairman of the Board since 1987 and prior served as a Board of Director from 1973. During that time, the bank grew from $5.9 million in assets to $202 million currently. In 1973, the bank consisted of one office in Milford. Today, the bank has five offices and serves the communities of Milford, Okoboji, Hartley, Ocheyedan and Lake Park. “We are certainly impacted by J.W.'s departure from our board since he was a founding member and instrumental to the bank's growth and expansion for many years. In his absence but in according to his wishes, we will continue to preserve our deep commitment to our customers, employees and to our community bank values,” Fisher said. “I leave the board having accomplished many goals, knowing it is in good hands under their leadership,” said J.W. Cravens. “We consider the bank to be fortunate to have the guidance of all of our directors. J.P. Cravens has served on the board since 1973 and continues to provide thoughtful leadership and insight. Steve Feld's day-to-day involvement with the bank and knowledge of understanding customer’s needs is a valuable ad- dition to the board. Business leaders Rodney D. Simonson and Thomas W. Clary are also directors and provide a depth of business experience. We are positioned for future growth and suc- cess while maintaining our long-standing commitment to our customers and communities we serve,” concluded Fisher. www.unitedcommunitybank.com UNITED COMMUNITY BANK Member FDIC James W. Cravens United Community Bank Announces Retirement of Long-Time Chairman of the Board, James W. Cravens

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� United Community Bank is a locally owned commercial bank serving the needs of its communities, businesses and citizens with a fullrange of traditional and innovative financial services, while delivering the highest level of customer service available. With locations inMilford, Okoboji, Hartley, Ocheyedan and Lake Park, United Community Bank is now in excess of $202 million in assets.

Mark C. Fisher, President/CEO and Board Memberof United Community Bank, announced the retirementof its Chairman, James W. Cravens, and the appointmentof James P. Cravens, as Chairman of the Board. Steven G.Feld, UCB Executive Vice President and Secretary to theBoard, has been appointed to the Board.

James W. Cravens has been dedicated to the banking in-dustry for over 69 years, having begun his career in 1944. Hehas served as Chairman of the Board since 1987 and priorserved as a Board of Director from 1973. During that time,the bank grew from $5.9 million in assets to $202 millioncurrently. In 1973, the bank consisted of one office in Milford.Today, the bank has five offices and serves the communitiesof Milford, Okoboji, Hartley, Ocheyedan and Lake Park.

“We are certainly impacted by J.W.'s departure from ourboard since he was a founding member and instrumentalto the bank's growth and expansion for many years. In his

absence but in according to his wishes, we willcontinue to preserve our deep commitment to our

customers, employees and to our community bankvalues,” Fisher said.

“I leave the board having accomplished many goals,knowing it is in good hands under their leadership,” said J.W.Cravens.

“We consider the bank to be fortunate to have the guidanceof all of our directors. J.P. Cravens has served on the boardsince 1973 and continues to provide thoughtful leadership andinsight. Steve Feld's day-to-day involvement with the bank andknowledge of understanding customer’s needs is a valuable ad-dition to the board. Business leaders Rodney D. Simonson andThomas W. Clary are also directors and provide a depth of busi-ness experience. We are positioned for future growth and suc-cess while maintaining our long-standing commitment to ourcustomers and communities we serve,” concluded Fisher.

www.unitedcommunitybank.com

U N I T E D C O M M U N I T Y B A N K

Member FDIC

James W. Cravens

United Community Bank AnnouncesRetirement of Long-Time Chairman of the Board, James W. Cravens