UNITED FINANCIAL BANCORP

United Bank is a federally chartered stock bank, headquartered in West Springfield, Massachusetts. The Bank has been doing business in the greater Springfield area since 1882. Today, the Bank has approximately $2.4 billion in assets and is one of the largest publically traded banks headquartered in New England (as measured by asset size) with 40 branch offices located throughout Massachusetts and Connecticut as well as Loan Production Offices in Beverly, MA and Glastonbury, CT. We have grown through the years both by acquisition and by building branches in communities that we believe are a good fit with our brand of banking. In 2009, our parent company,