Notice for Branch Offices

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance
Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community
consistent with safe and sound operations. The FDIC also takes this record into account when
deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA,
including, for example, information about our branches, such as their location and services
provided at them; the public section of our most recent CRA Performance Evaluation, prepared
by the FDIC; and comments received from the public relating to our performance in helping to
meet community credit needs, as well as our responses to those comments. You may review this
information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the
banks that are scheduled for CRA examination in that quarter. This list is available from the
Regional Director, FDIC, Division of Compliance and Consumer Affairs, 300 South Riverside
Plaza Suite 1700, Chicago, Illinois 60606. You may send written comments about our
performance in helping to meet community credit needs to CRA Officer, 100 South High Street,
Columbus Grove, Ohio 45830 and FDIC Regional Director. You may also submit comments
electronically through the FDIC’s Web site at www.fdic.gov/regulations/cra. Your letter, together
with any response by us, will be considered by the FDIC in evaluating our CRA performance and
may be made public.

You may ask to look at any comments received by the FDIC Regional Director. You may also
request from the FDIC Regional Director an announcement of our applications covered by the
CRA filed with the FDIC. We are an affiliate of United Bancshares, a bank holding company. You
may request from the Community Reinvestment Officer, Federal Reserve Bank of Cleveland, PO
Box 6387, Cleveland, Ohio 44101-1387 an announcement of applications covered by the CRA
filed by bank holding companies