1. The challenger bank with a social conscience Housing LIN presentation 9 th June 2016

2. Over 30 years in the making Established May 1984 Fully independent Bank ‘Double bottom line’ strategy...to be a different kind of Bank

3. Today … in a nutshell Fully independent Bank Re-affirmed core business purpose ‘Double bottom line’ strategy Over 20,000 customer accounts Socially focused Customer centred Commercially driven Ready for you

4. Excellent customer service Interest Rates 1 st Triodos 2 nd Unity Trust Bank 3 rd Coutts 2 nd Commitment to CSR 1 st Unity Trust Bank 2 nd CAF Bank 3 rd Triodos 1 st Availability of Finance 1 st Unity Trust Bank 2 nd Lloyds Bank 3 rd Barclays 1 st Fees/ Charges 1 st Unity Trust Bank 2 nd CAF Bank 3 rd Co-operative 1 st Internet Services 1 st Unity Trust Bank 2 nd Triodos 3 rd RBS Telephone Services 1 st Unity Trust Bank 2 nd CAF Bank 3 rd Co-operative Customer Satisfaction Average rating of 9/10 in our own customer research Relationship Manager 1 st Unity Trust Bank 2 nd Triodos 3 rd Co-operative 1 st Sector Knowledge 1 st Unity Trust Bank 2 nd Triodos 3 rd CAF Bank 1 st Source: Charity Finance Banking Survey 2015

5. Banking services Lending Current and Deposit Accounts Commercial mortgages Development funding Overdrafts £190m loan portfolio currently Over £850m on deposit Internet banking Telephone banking Branch access E-payments and Bacs services Pre-paid and corporate cards Switching service

6. Here to lend Specialist Relationship Managers Range of loans Experienced Managers Partnership approach Long term relationship bank Tailored solutions Competitive pricing Up to £10m Refinance Property Purchase Acquisition finance Property refurbishment Property development Finance for business expansion Overdrafts Balanced lending decision – financial return and social impact Fast decision turnaround – typically 48 hours Work with multiple institutions on syndication deals for larger loans

7. Types of business we lend to Charities Community Interest Companies Registered Social Landlords Regeneration organisations Social sector organisations ‘Profit with purpose’ organisations

8. Types of ‘profit with purpose’ People who help people who are vulnerable or disadvantaged Creation and maintenance of employment including training, education or apprenticeship opportunities A business that provides a community, social or environmental benefit Provision of social facilities or care places Accredited to a national recognised body that demonstrates ethical values i.e. investors in people, living wage, fair tax Affordable Housing provision

9. What a loan from Unity can achieve Fetal Medicine Foundation Amount Lent: £8,000,000 Foundation Region: South East Development of research centre of excellence for fetal medicine Also including training facilities, lecture and conference facilities and retail areas BEN Amount Lent: £8,000,000 Region: South East State-of-the-art retirement community incorporating a new 93 bed care centre plus apartments and cottages Also has amenities to meet residents’ health, wellbeing, leisure and social needs Canopy Housing Amount Lent: £256,000 Region: Yorkshire and the Humber Purchase and renovation of 12 properties Volunteers and homeless people completed the renovation then moved in Volunteer Centre Edinburgh Amount Lent: Unspecified Region: Scotland Facing relocation from rented offices, VCE wanted a permanent ‘shop front’ base to increase visibility Loan provided as part of a 100% loan finance partnership with Big Issue Invest Scotland

10. Our positive social impact

11. Financial strength you can rely on Well capitalised Strong liquidity Low risk, independent financial institution Eligible deposits protected by Financial Services Compensation Scheme

12. Demonstrating our values First UK Bank to be Living Wage Accredited Living Wage Champions for West Midlands 2014 and 2015 Pioneer of the Fair Tax Mark since 2014 ‘One Star’ rating in The Times Best Companies to Work For Survey 2015 Awarded Gold status by Investors in People in 2015 Employees have 5 paid volunteering days each year Employee Shared Ownership Plan – all staff receive 100 shares after 1 year’s service

13. So, why choose Unity Trust Bank? An independent challenger Bank with a social conscience Sector specialists giving first class service Full internet banking service Competitive loan pricing Quick decision making – typically 48 hours Dedicated Relationship Managers and UK based customer support

14. Thank you for your time Manage your account online Full customer services support Dedicated Relationship Manager Call Ian Heesom 07540 159648 │ Mail ian.heesom@unity.co.uk│ Visit unity.co.uk │ Tweet @unitytrustbank