Effective May 8, 2008, the current interest rate paid by United Western Bank on uninvested cash pending investment instruction is .21% and is subject to change from time to time.

Sterling Trust Company will perform all sub-accounting and interest posting functions (where applicable) for the United Western Bank NOW Account and, will receive a fee for these services, paid directly to Sterling Trust Company from United Western Bank. Such fee ($3.00) shall be a per account administrative charge of the type borne directly by United Western Bank for such services, but may exceed the amount United Western Bank would pay to a third-party providing such services. However, sub-accounting and interest posting fees, if any, will be paid directly by United Western Bank to Sterling Trust Company and are not deducted from your account.