Public File

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, 105 Progressive Drive,
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.

HMDA Disclosure Statements

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information visit the Consumer Financial Protection Bureau's Web site (ffiec.cfpb.gov/data-publication/disclosure-reports).

Products and Services

Credit Products

• First Time Homebuyers - Guaranteed Rural Housing/USDA, Home Possible, Home Ready
• Welcome Home Funds
• Conventional Mortgage – Single Family Dwelling (Fixed & Adjustable Rates)
• Conventional Mortgage – 1-4 Family Dwelling
• Home Improvement Mortgage Loans
• Home Equity Term Loans
• Home Equity Lines
• Construction Loans
• Bridge Loans
• Lot Loans
• Making Home Affordable
• Veteran’s Administration (VA) Loans
• Federal Housing Administration (FHA) Loans

• Installment
• Auto/Boat/RV Loans
• Mobile Home Loans
• Cash/Savings/CD Secured Loans
• Small Implement Loans
• Debt Consolidation
• Personal Unsecured Lines
• Overdraft Lines
• Fresh Start Loans
  

• Agricultural Real Estate Loans
• Livestock, Crops, Machinery & Equipment
• Operating Expense Loans
• Capital Improvement
• First Mortgage Real Estate loans for purchase of Farmland
• FSA Guaranty Loan Program

• Small Business Administration sponsored loans
• Commercial Real Estate Loans
• Working Capital Loans
• Capital Improvements
• Machinery and Equipment Loans
• Business Acquisitions
• Construction Loans

• Tax Anticipation Financing for School Districts
• Tax Anticipation Financing for Municipalities
• Investment in Local School District Bonds
• Investment in Local Municipalities Bonds

• Personal
  Union Rewards – High Interest
  Union Rewards – Cash Back
  Union Interest Rewards Plus
  Union Flexible
  Health Savings Accounts (HSAs)
  QIT (Qualified Income Trust) Account
• Business
  Union Free Business
  Union Business Interest
  Union Commercial
• Public Funds
  Union Optimum Public Funds

• Personal
  Statement Savings
  Money Market
  Premier Money Market
  Christmas Club
  Ohio Homebuyer Plus Savings                                                                                                        IRA Money Market
• Business
  Business Savings
  Business Money Market
  Premier Business

• ICS Savings
• ICS Demand

• Standard Certificates of Deposit
• CDARS

• Fixed/Variable/Indexed Annuities
• Advisory Accounts
• Mutual Funds
• Insurance Products
• 401k Accounts
• Long Term Care
• Brokerage/Bonds/CDs/Other

• Traditional
• Roth

• 17 ITMs and 1 ATM
• Night Depositories
• Direct Deposit
• Union Remote Deposit
• Private Banking
• Merchant Services
• Foreign Currency
• Money Orders
• Cashier Checks
• Notary Service
• ACH
• Wire Services
• Positive Pay
• Resubmit Program for Businesses
• Cash Advance: VISA ®, MasterCard & Discover
• Credit Cards
• CardValet
• Medallion Stamp
• Accept Utility Payments
• Accept Real Estate Tax Payments
• Fax Service
• Copier Service
• Online Mortgage Loan Application
• E-Statements for consumers and businesses
• Notifi for real time account alerts
• ID Theft Protection
• Gift Cards

Loan to Deposit Ratios

March 31, 2024                    74.06%

June 30, 2024                       69.42%

September 30, 2024             64.48%

December 31, 2024              71.61%

Public Comments

Written comments received from the public for the current year and each of the prior two calendar years specifically related to the bank's CRA efforts in helping to meet community credit needs and any responses to the comments by the bank.

• January 1, 2024 through December 31, 2024
  • None Reported

• January 1, 2023 through December 31, 2023
  • None Reported