CONVENIENCE

VISA CLASSIC CREDIT CARD

The advantages that make United's credit card the natural choice:

• The introductory 6.99% annual percentage rate is good for six months.
• United's Rebate Program earns 1% rebate on VA, MD, DC, OH and WV purchases.
• There's no annual fee, and no minimum finance charge. Period.
• There's no transaction fee for purchases.
• Plus, you have a full 25-day grace period in which to repay your total balance before incurring any finance charges on purchases.
• Convenience checks are available to help you transfer balances from higher-rate cards, or for making purchases.
• Pay Ahead Feature … Payments in excess of the Minimum Monthly Payment will, under the circumstances more fully explained in the Cardholder Agreement, eliminate or reduce minimum monthly payments.

Annual percentage rate for purchases	6.99% fixed Annual Percentage Rate for the first six months of the account. In the absence of this introductory rate, the rate would be 13.25% (as of January 2, 2008).
Variable rate information	After the first six months of the account, your Annual Percentage Rate may vary. The rate will be determined by adding a margin of 6.00 percentage points to the Prime Rate published in The Wall Street Journal on the 15th day of the calendar month immediately preceding the start of that quarter.
Grace period for repayment of balance for purchases	You have 25 days on average to repay your total balance before finance charges on purchases will be imposed.
Method for computing the balance for purchases	Average Daily Balance (Including New Purchases)
Annual fee	None
Minimum finance charge	None
Transaction fee for purchases	None
Transaction fee for cash advances	1 1/2% of cash advance, not to exceed $5.00
Late payment fee	If ten (10) days past due, 5% of the Minimum Monthly Payment, not less than $1.00 or more than $15.00.
Over limit fee	An over limit fee of 2% of your credit limit, with a maximum of $10, will be charged on accounts exceeding the established credit limit.

THE UNITED GOLD MASTERCARD AND VISA GOLD

More Prestige, More Purchasing Power, More Preferred Treatment Gold MasterCard or Visa Gold is your passport to the best shopping, the finest dining, exotic travel, luxurious lodging, and entertainment that's first class. Wherever you go, your Gold MasterCard or Visa Gold will bring you instant recognition as a select individual of the highest credit standing who expects and deserves the finest in service and accommodations.

Higher Line of Credit Your Gold MasterCard or Visa Gold gives you a generous credit limit. The amount of your credit line can be tailored to your individual needs.

Travel Accident Insurance You automatically receive $250,000 Common Carrier Travel Accident Insurance free when you use your card to charge fares for yourself and your family.

Personalized Checks *Upon Request To enhance your purchasing power you will also receive personalized checks (*Upon Request) to use whenever writing a check is more convenient or where your card may not be accepted. Your checks will be charged as Cash Advances to your credit card account.

Cash Advance Privileges Around the World You can obtain instant cash up to your available limit at nearly 370,000 locations worldwide.

Pay Ahead Feature Payments in excess of the Minimum Monthly Payment will, under the circumstances more fully explained in the Cardholder Agreement, eliminate or reduce minimum monthly payments.

Card Registration Service Your Gold MasterCard or Visa Gold are automatically registered for your protection in case of loss or theft. You may enroll in our Card Registration and Protection Service for all your other cards at no cost.

Terms & Fees	Gold MasterCard	Visa Gold
Annual percentage rate	A variable rate equal to 9.25% as of January 23, 2008	14.90% Fixed
Variable rate information	The Annual Percentage Rate may vary. The rate is determined quarterly by adding 2 percentage points to the Prime Rate published in the Money Rates section of The Wall Street Journal.	Not Applicable
Grace period for repayment of balance for purchases	25 Days (minimum)	25 Days (minimum)
Balance Calculation	Average Daily Balance (Including New Purchases)	Average Daily Balance (Including New Purchases)
Annual fee	$50.00 per year	None
Minimum finance charge	None	None
Transaction fee for purchases	None	None
Transaction fee for cash advances	1 1/2% of cash advance not to exceed $5.00
Late fee	If ten (10) days past due, 5% of the minimum monthly payment, not less than $1.00 or more than $15.00.
Over limit fee	An over limit fee of 2% of your credit limit, with a maximum of $10.00, will be charged on accounts exceeding the established credit limit.