Welcome to Uniti Bank

February 05, 2012

Home Equity Lines	You can borrow against the equity of residences that you own. • Collateral: Junior Deed of Trust on your primary residence or rental property. • Terms and Interest Rates: Please ask a Bank representative.
Automobile Loans	Uniti Bank offers competitive rates and longer terms for the purchase of new cars, used cars, or the refinance of existing automobile loans. • Please ask a Bank representative for a quotation of best interest rate and loan terms that will suite your payment ability. • Loans to borrowers with insufficient credit history or short residence history are available. • Dealer referrals are welcomed.
Swing Loans	If you are in-between real estate transactions, and are in need of temporary financing to meet the closure of escrow, call a Bank representative. • Uniti Bank will design creative financing methods that will make your deal go.
Credit Cards	For the convenience of the Bank clients, Uniti Bank accommodates your request for the issuance of credit cards (Visa Cards).
Overdraft Protection Lines	Uniti Bank extends overdraft protention lines of up to $5,000.00 to those clients maintaining Checking and Savings accounts in good standing.

This loan program, guaranteed by U.S. Small Business Administration, is a very helpful tool for small business to obtain financing that otherwise might not be available. The following programs assist customers with different needs. Please call the Bank's experienced SBA lenders for details.
7(a) Loan Program	This is the most commonly used SBA program. It provides term loans for the purchase of business real estate or business assets. • Purpose: Acquisition of fixed assets; working capital; start-up financing. • Government Guarantee: 75% to 85% • Loan Amount: Max. 2 million • Maturity: 5 - 7 years for working capital, up to 10 years for equipment, up to 25years for real estate. • Interest Rate: Variable and fixed rate available • Collateral: Real estate and personal assets • Eligibility: Certain size limitations are applied according to the industry that the borrower is in. • Benefits of this SBA Program: * Longer terms available. * Lower down payment for the purchase of assets. * Credit enhancement.
504 Program	This program is specially designed for the purchase of fixed assets at lower down payments and lower interest rates. Typically, the Bank makes a senior lien real estate loan for 50% of the purchase price, while CDC (backed by the SBA) covers up to 40% of the purchase price with a junior lien loan. • Purpose: Fixed assets only - no working capital • Loan Amount: Usually $2,000,000 • Maturity: 10 or 20 years • Interest Rate: Lower than for conventional loans • Collateral: Real Estate • Benefits of this Program: * Down payment as low as 10% of the cost * Lower interest rates.

Business Term Loans	These loans are made to businesses and/or business owners. If the business is a legal entity, major shareholders must become guarantors. • Purpose: Purchase of business; purchase of equipment; permanent working capital • Term: Max. 8 years. • Interest Rate: Variable based on Prime Rate • Collateral: Tangible and intangible business assets, Real Estate, and other rights of monetary value that the Bank may require if deemed necessary.
Business Lines of Credit	These are revolving credit facilities for businesses and/or business owners. Borrowers can borrow and repay up to the designated line amount within the maturity under the terms and conditions set forth. If the business is a legal entity, major shareholders must become guarantors. • Purpose: Temporary, seasonal working capital; Carrying A/R and/or inventory; Future business expansion; Cash reserve for future uncertainties. • Term: Max. two years renewable at maturity • Interest Rate: Variable based on prime rate. • Collateral: Secured or unsecured depending upon the strength of the borrower.
Uniti Small Business Express Loan	Uniti Small Business Express Loan is designed to assist businesses with quick cash, without delay. To meet the customers' urgency, we require only a Commercial Credit Application and the last 12 months of the business checking account monthly statements. • Purpose: Assist business with quick cash, without delay • Term:60-month installment or 12-month line of credit based on your need • Interest rate: Variable based on prime rate • Maximum Amount: $50,000
Real Estate Loans	Uniti Bank can assist your acquisition of real estate properties for the business purposes. We can customize structure your loan to meet your future cash flow pattern. • Purpose: Purchase of business real estate properties; Capital improvement of business real estate properties. • Term: Max. 10 year maturity. Max. 25 year amortization plan. • Interest Rate: Variable Rate and/or Fixed Rate available • Collateral: 1st Deed of Trust on the Real Estate.
Construction Loans	Uniti Bank offers a flexible construction loan program, that will fit your construction schedule and construction budget. The Bank's strict disbursement control will assist the borrowers to follow the progress of the construction. • Purpose: Construction of business real estate properties; Capital improvement of business real estate properties. • Term: Max. 2 year plus 3 year Mini Perm. • Interest Rate: Variable Rate and/or Fixed Rate available • Collateral: 1st Deed of Trust on the land to be constructed on. Land draw and reimbursement of soft cost possible.

In its continuous effort to provide our customers with a variety of lending options to meet their credit needs, the Bank participates in the State of California's Small Business Loan Guarantee Program (“CSBL”). Under the jurisdiction of the Trade and Commerce Agency, this program provides for Small Business Financial Development Corporations.

The CSBL guarantees up to 90% of the loan amount (the guaranteed portion of the loan can not exceed $350,000.00). The guaranteed percentage is subject to FDC approval, based on the risk factor the FDC assigns to the request.

Use of Proceeds

In addition to the use of proceeds outlined in the SBA Loan section, the CSBL guarantees lines of credit and term loans for.
• Experienced general building contractors to cover contract costs between progress payments for the construction or rehabilitation of commercial or residential buildings.
• Refinancing a percentage of personal credit card debt that financed business operations (the applicant must provide proof (such as copy of receipts, paid invoices, etc.) that the credit card debt was for business use).
• Financing costs associated with individual contracts to construct, manufacture or provide a service (an assignment of the contract and direct payment are required).