Urban Trust Bank is not a typical bank. Below are some of the many reasons Urban Trust Bank is unique:

• A Compelling Value Proposition
• A Safe and Secure environment
• A Commitment to the Community
• Exceptional Founders

A COMPELLING VALUE PROPOSITION
Urban Trust Bank distinguishes itself to its customer base by providing:

Value: We have a lower cost structure than our competitors which enables us to provide interest rates that are consistently superior to our competition. In addition, we offer a fee structure that is often significantly less than our competitors. For example, the majority of our customers are able to perform unlimited ATM withdrawals at any ATM machine in the country with no fee -- very few banks offer that. Our customers have come to expect Urban Trust Bank to provide better value and we deliver.

Convenience: The majority of our branches are located inside Walmart Supercenters. We are positioned to easily integrate into the daily routine of more than one hundred thousand consumers who shop at each Walmart supercenter monthly.

Common Sense Banking Products: Our goal is not to provide complicated, fancy or intricate financial products. Instead, we provide the core products – checking and savings accounts, CD’s and money markets and mortgages – that consumers and their families require to meet their basic financial needs. Our customers find our focus on common-sense banking to be refreshing and reassuring.

A Community Bank Orientation: Although we are rapidly becoming more substantial than a typical community bank, we strive to maintain a community bank environment at our branches. Our goal is to know each of our customers personally and provide a friendly, welcoming place for them to bank.

A SAFE AND SECURE ENVIRONMENT

Urban Trust Bank is pleased to provide a safe and secure environment for our customers during this challenging period. Read more about the safety and security of deposits at Urban Trust Bank.

A COMMITMENT TO THE COMMUNITY
Our management team and our Board of Directors have recognized that engagement in our community is critical to our continued success. As such, our organization and our employees have made a true and sincere commitment to each of our communities. Examples of this commitment include:

• Our bankers regularly teach free financial education seminars at local churches and community centers. 
• We sponsor selected events at neighborhood schools.
• We offer free educational information to our customers at each of our branches and on our website
• We partner with the American Bankers Association to send bankers to public school classrooms to teach children about money and finances. 

The key to engaging the community is in our team. Each of our bankers is trained to develop a personal relationship with prospects and customers and take the time to listen to their needs and goals. Our community orientation means:

• Each new customer receives a handwritten note from their banker.  
• Many of our new customers get a personal letter from our CEO or a call from our retail executive
• We try to remember birthdays and ask about families.
• Our mortgage bankers are trained to be mortgage advisors, getting to know each customer rather than pushing for a quick loan.

EXCEPTIONAL FOUNDERS

Urban Trust Bank was founded by legendary entrepreneurs Robert L. Johnson and Frank Hanna Jr. Both individuals have an extraordinary track record of entrepreneurial success. Mr. Johnson is the quintessential American success story -- born in a rural, midwestern community, he founded Black Entertainment Television (BET) and became the first African-American billionaire.

Frank Hanna Jr. also rose from modest circumstances to enjoy a long and successful career as an entrepreneur and businessman. He has generated extraordinary results through smart business acquisitions and savvy business management. Mr. Hanna's business holdings have included Blue-Cross Blue-Shield of Georgia, Worldwide Financial, Inc. and Paladin Capital Partners.

Mr. Johnson and Mr. Hanna have developed a steady, committed partnership that provides Urban Trust Bank with significant resources and business experience.

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