Where Community atters - Amazon Web Services

A UNITED COMMUNITY BANK

WELCOMES

CUSTOMERS

DO NOT DISCARD

Important account information enclosed

Effective September 19, 2015 United Community Bank locations in Quincy, IL & Palmyra, MO will become branches of Mercantile Bank.

Where Community atters

Superior Five Star Rated

BankrateTM Safe & Sound?

Five Star Rating

1ST QUARTER 2015

Mercantile Bank Locations

QUINCY 200 North 33rd St. 217-223-7300 5211 Broadway217-214-1362

Mercantile Bank is

101 N. 36th St. 217-224-8787

2001 Maine St. 217-224-8686 200 S. 8th St. 217-223-7300

proud to be a part of

440 Maine St. 217-223-7300

PALMYRA, MO 123 W. Lafayette St. 573-769-2134

United Community Bancorp, Inc.

UCB Bank Locations

AUBURN

790 E. Jackson 217-438-6311 720 W. Jackson 217-438-6612

Over 75 Bank & ATM Locations to Serve You!

BUNKER HILL 129 N. Washington 618-585-3591

805 S. Franklin 618-585-3569

BUSHNELL

190 E. Hurst St. 309-772-2181

CARLINVILLE 404 N. Broad St. 217-854-4755

CHATHAM 301 N. Main St. 217-483-2491

COLCHESTER 109 E. Depot St. 309-776-3225

DIVERNON 200 Reichert Rd. 217-628-3000

GILLESPIE

301 S. Macoupin St. 217-839-4000

GREENFIELD 402 Main St. 217-368-2171

LOAMI

102 Church St. 217-624-6151

MACOMB

430 W. Jackson St. 309-837-9988 1700 E. Jackson St. 309-833-2778

PAWNEE

619 5th St.217-625-3000

PITTSFIELD

1 Professional Plaza 217-285-2176

ROODHOUSE 215 S. Morse St. 217-589-4331

Carthage Bushnell

Macomb

Hamilton

Colchester Augusta

Palmyra

Golden

Springfield

Quincy Mt. Sterling

Pittsfield

Loami Auburn

Winchester

Chatham Pawnee

Divernon

Roodhouse Carlinville Greenfield

Gillespie

Bunker Hill

SPRINGFIELD

1900 W. Iles Ave. 217-787-3000 700 Stevenson Dr. 217-529-3000 617 Bruns Ln. 217-787-3001

WINCHESTER 21 E. Market St. 217-742-3121

UCB-Marine Bank Locations

CARTHAGE 410 Buchanan 217-357-3151

HAMILTON 1111 Broadway 217-847-3341

AUGUSTA

507 Main St. 217-392-2151

UCB-BCSB Bank Locations

MT. STERLING 101 E. Main St. 217-773-3327

GOLDEN

321 Quincy St. 217-696-4423

Mark A. Tyrpin President & CEO

A UNITED COMMUNITY BANK

Welcome to Mercantile Bank! As you know, in December 2013, United Community Bank and Mercantile

Bank joined forces. Since that time, we have been working together to take care of all of your banking needs in Quincy and Palmyra. Beginning September 19, 2015, you will officially be part of the Mercantile Bank family. This means more locations, more hours, and more convenience for you. We are growing for you!

At Mercantile, community matters! What makes us a community bank is not our products or services, or even our locations...it's our people! Our employees live, work, and are actively involved in almost every aspect of community life - as a citizen, a parent, a volunteer, a supporter. This individual involvement combined with local decision-making and our corporate stewardship is what makes Mercantile Bank more than just a bank.

All of our staff at each location will work hard to make this transition as smooth and seamless as possible. We hope this book will be a valuable resource to help guide you through this process by providing information regarding changes to your current accounts, as well as, outlining the features and benefits of additional products and services.

Inside this book you will find important information regarding: ? Changes to your checking and savings accounts ? Mailing of your new debit card and additional debit card options ? Set-up for Online Banking, Online BillPay and more

We appreciate your business and are pleased to have the opportunity to serve you. We invite you to stop by any of our seven Quincy and Palmyra locations and meet us. Please do not hesitate to contact any of our staff if you have any questions or need assistance.

Welcome to our family!

Sincerely,

Mark A. Tyrpin President & CEO

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Mercantile Center

Mercantile, Walmart Supercenter

Mercantile at 36th

Mercantile at 20th

ABOUT MERCANTILE BANK

HISTORY

Mercantile Bank was founded in Quincy, Illinois in 1906. Today, Mercantile continues the tradition established a century ago of serving and supporting the financial needs of individuals, families, businesses and organizations in and around the communities we serve.

At Mercantile, our business is built on relationships - with our customers, our employees, and the communities we call home. We are dedicated to keeping these relationships strong by actively supporting the organizations and efforts within our community that enrich and assist us all as individuals.

Mercantile Bank offers a full line of FDIC-insured deposit services including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts, as well as a complete line of lending services: consumer loans, credit cards, mortgage loans, home equity lines of credit, and commercial and agricultural loans and lines of credit. Additional services include asset management services: trusts, estate planning, and investment services.

Mercantile Bank is a subsidiary of United Community Bancorp, Inc., along with United Community Bank, Marine Bank & Trust, and Brown County State Bank.

ABOUT UNITED COMMUNITY BANCORP, INC.

United Community Bancorp, Inc., headquartered in Chatham, Illinois, is an employee-owned regional bank holding company with roots dating back to 1907, when Farmer's State Bank was established in Greenfield, IL. In 1973, a local group invested in Farmer's State Bank with the goal of delivering the ultimate in customer service while continuing to welcome other banks in central, southern, and western Illinois into the United Community Bank family.

Today, United Community Bancorp, Inc. has grown to an approximately $1.8 billion dollar institution operating four state-chartered banks with 33 branches in 23 communities. UCB carries a 5-star rating with Bauer Financial and a perfect 300 performance rating with IDC Financial.

Mercantile at Maine

Mercantile at Jersey

Mercantile at Palmyra, MO

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FREQUENTLY ASKED QUESTIONS

Will my deposit account change?

Your account number will remain the same and, in many cases, your account Terms & Conditions will also remain the same as those of your current UCB account, however your account type name may change. Please refer to Pages 6-8 for more information about your new account type, including many new features and benefits.

Will there be any changes to my Direct Deposit or ACH Transactions?

NO. You will not need to make any changes initially. If your current account routing number is 081227129 (this number, used to identify your bank, is most commonly found on your checks to the left of your account number), you will not need to make any changes. If your routing number is 071108407, it will need to be changed the next time you order checks. With either number, you will not need to change or update any direct deposit instructions or ACH agreements you currently have in place. Please note: this does not apply to any automatic payments that use your debit card. Please see ATM/Debit card question below for more information.

Can I use my current checks until they are gone, or will I receive new checks?

You may continue to use your current UCB checks until they are gone. Future check orders will be for Mercantile checks. If you are low or out of UCB checks, you may order new Mercantile checks at any time to be used after September 18.

Will I receive a new ATM/Debit card? IMPORTANT! Please read this section

YES. You will automatically receive a new Mercantile ATM/Debit card. Your new Mercantile card will arrive the week of September 14, and a new PIN will be mailed separately. Once received, you may activate your card at any time but please do not use your new Mercantile debit card until after 8:00am on Monday, September 21.

IMPORTANT: ? Please DO NOT USE your new Mercantile debit card until AFTER 8:00am on Monday, September 21. ? After 8:00am on Monday, September 21, your UCB debit card will no longer work.

At 8:00am on Monday, September 21, your UCB debit card will be automatically deactivated and will no longer work. After this, you may safely destroy it or return it to any bank location for free shredding. Your daily limits will remain the same: $500.00 for ATM withdrawals, and $3,500.00 for PIN or signature-based purchase transactions. If you have any problems or questions about your card, please call or visit your branch for immediate assistance.

Please Note: Your new Mercantile debit card will have a new card number. Therefore, please be sure to contact any service providers or creditors to whom you have provided your debit card number for any recurring payment arrangements; provide them with your new card number and expiration date for all payments due on or after September 21.

As a special thank you for your continued business, all new Mercantile Everyday Points debit cards activated by 8:00am on Monday, September 21 will automatically receive 3000 bonus points redeemable for a $25 gift card*.

*Gift card offer is valid for all new Mercantile Everyday Points debit cards activated by 8:00am on Monday, September 21, 2015. Eligible cardholders will receive 3000 bonus points redeemable for a $25 gift card. The rewards points will be reported to the IRS as interest income. An active debit card is required to earn points. eStatement use is required to redeem points. Points will be awarded by September 30, 2015. For more information regarding the Everyday Points rewards program, please visit your nearest Mercantile location or call us at 217-223-7300 or toll-free at 800-405-6372.

Will there be changes on my statement?

YES. All customers with either a checking or savings account will receive a cut-off statement through Sunday, September 20, 2015. Interest-bearing accounts (other than Certificates of Deposit and IRAs) will be paid interest through that date. There will be no monthly service or maintenance fees assessed on this statement. After September 20, 2015, interest-bearing accounts will receive the balance of their September interest on their new Mercantile statement. Savings statements are printed quarterly unless required more frequently, based on transaction activity, or if the account is combined with a monthly checking statement. Mercantile also offers E-statements (electronic or "paperless" statements) free of charge to all customers. Please contact a banker to have your checking and savings statements combined, or to sign up for E-statements.

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