Pub. 9 2014-2015 Issue 1

UBB Securities Guard Your Balance Sheet Join the growing ranks of community bankers who depend on ALM Edge to guard their balance sheets from interest rate volatility. You’ll get concise readings on liquidity, earnings, interest rate and yield curve risks, plus capital position. And ALM Edge is free for UBB Securities customers. Reports You and Your Regulators Will Understand Most in-house ALM tools are tough to administer and produce reports that require a doctorate to decipher. ALM Edge reports are modeled specifically for community banks, delivering pertinent data in a clutter-free synopsis that's easy to understand – and easy to relay to your regulators. Fueled by Experts in Community Banking Our credentialed advisors manage balance sheets for more than 200 community bank customers. We’ll help you prepare for whatever lies ahead by interpreting macro trends and applying them specifically to your business. First for Your Success… Always ALM Edge is an investment service from United Bankers' Bank , the nation’s first correspondent founded by and for community bankers. We always put your best interests first, which means unbiased investment and market advice. Call us today. Note: All products and services represented on this page are not insured by the FDIC or any other federal government agency, are not deposits of or guaranteed by the Bank or any Bank affiliate, and may lose value. United Bankers’ Bank 10040 Regency Circle | Suite 310 | Omaha, NE 68114 Chris Denney 402.651.8824 www.ubb.com | Member FDIC