Insurance of Accounts Uses in Employment Agreement Clause

Employment Agreement from Consulting Agreement

This Agreement (this Agreement) is entered into as of the ___ day of April, 2007 by and between T&E Group, Inc. (the Company) having its principal place of business in San Diego, California and Bob Adkins, an adult individual residing in the State of California (the Consultant).

Employment Agreement. It is anticipated that the Consultant and the Bank will enter into an Employment Agreement having a term of not less than three years, in a form satisfactory to each of the Consultant and the Bank in their reasonable discretion, subject to the approval of such form by the Banks primary regulators and modifications to such form as may be required by the regulators, which Employment Agreement shall be effective as of the date on which the California Department of Financial Institutions issues the Certificate of Authority to the Bank and the Federal Deposit Insurance Corporation issues approval for Insurance of Accounts.

Employment Agreement from Consulting Agreement

This Agreement (this Agreement) is entered into as of the 1st day of July, 2008 by and between United Business Holdings, Inc. (the Company) having its principal place of business in San Diego, California and Christi Thompson, an adult individual residing in the State of Texas (the Consultant).

Employment Agreement. It is anticipated that the Consultant and the Bank will enter into an Employment Agreement having a term of not less than three years, in a form satisfactory to each of the Consultant and the Bank in their reasonable discretion, subject to the approval of such form by the Banks primary regulators and modifications to such form as may be required by the regulators, which Employment Agreement shall be effective as of the date on which the Texas Department of Banking or the Office of the Comptroller of the Currency, as the case may be, issues the Certificate of Authority to the Bank and the Federal Deposit Insurance Corporation issues approval for Insurance of Accounts.

Employment Agreement from Consulting Agreement

This Agreement (this Agreement) is entered into as of the 28th day of June, 2008 by and between United Business Holdings, Inc. (the Company) having its principal place of business in San Diego, California and Karen Brassfield, an adult individual residing in the State of California (the Consultant).

Employment Agreement. It is anticipated that the Consultant and the Bank will enter into an Employment Agreement having a term of not less than three years, in a form satisfactory to each of the Consultant and the Bank in their reasonable discretion, subject to the approval of such form by the Banks primary regulators and modifications to such form as may be required by the regulators, which Employment Agreement shall be effective as of the date on which the California Department of Financial Institutions issues the Certificate of Authority to the Bank and the Federal Deposit Insurance Corporation issues approval for Insurance of Accounts.

Employment Agreement from Consulting Agreement

This Agreement (this Agreement) is entered into as of the ___day of April, 2007 by and between T&E Group, Inc. (the Company) having its principal place of business in San Diego, California and Pamela T. Davis, an adult individual residing in the State of California (the Consultant).

Employment Agreement. It is anticipated that the Consultant and the Bank will enter into an Employment Agreement having a term of not less than three years, in a form satisfactory to each of the Consultant and the Bank in their reasonable discretion, subject to the approval of such form by the Banks primary regulators and modifications to such form as may be required by the regulators, which Employment Agreement shall be effective as of the date on which the California Department of Financial Institutions issues the Certificate of Authority to the Bank and the Federal Deposit Insurance Corporation issues approval for Insurance of Accounts.

Employment Agreement from Consulting Agreement

This Agreement (this Agreement) is entered into as of the ___day of April, 2007 by and between T&E Group, Inc. (the Company) having its principal place of business in San Diego, California and Pamela T. Davis, an adult individual residing in the State of California (the Consultant).

Employment Agreement. It is anticipated that the Consultant and the Bank will enter into an Employment Agreement having a term of not less than three years, in a form satisfactory to each of the Consultant and the Bank in their reasonable discretion, subject to the approval of such form by the Banks primary regulators and modifications to such form as may be required by the regulators, which Employment Agreement shall be effective as of the date on which the California Department of Financial Institutions issues the Certificate of Authority to the Bank and the Federal Deposit Insurance Corporation issues approval for Insurance of Accounts.

Employment Agreement from Consulting Agreement

This Agreement (this Agreement) is entered into as of the ___day of ___, 2008 by and between United Business Holdings, Inc. (the Company) having its principal place of business in San Diego, California and Karen Brassfield, an adult individual residing in the State of California (the Consultant).

Employment Agreement. It is anticipated that the Consultant and the Bank will enter into an Employment Agreement having a term of not less than three years, in a form satisfactory to each of the Consultant and the Bank in their reasonable discretion, subject to the approval of such form by the Banks primary regulators and modifications to such form as may be required by the regulators, which Employment Agreement shall be effective as of the date on which the California Department of Financial Institutions issues the Certificate of Authority to the Bank and the Federal Deposit Insurance Corporation issues approval for Insurance of Accounts.

Employment Agreement from Consulting Agreement

This Agreement (this Agreement) is entered into as of the 1st day of November, 2007 by and between United Business Holdings, Inc. (the Company) having its principal place of business in San Diego, California and Michael C. Ward, an adult individual residing in the State of Arizona (the Consultant).

Employment Agreement. It is anticipated that the Consultant and the Bank will enter into an Employment Agreement having a term of not less than three years, in a form satisfactory to each of the Consultant and the Bank in their reasonable discretion, subject to the approval of such form by the Banks primary regulators and modifications to such form as may be required by the regulators, which Employment Agreement shall be effective as of the date on which the California Department of Financial Institutions (or the Office of the Comptroller of the Currency, if applicable) issues the Certificate of Authority to the Bank and the Federal Deposit Insurance Corporation issues approval for Insurance of Accounts.

Employment Agreement from Consulting Agreement

This Agreement (this Agreement) is entered into as of the 15th day of July 2008 by and between United Business Holdings, Inc. (the Company) having its principal place of business in San Diego, California and Craig Wenner, an adult individual residing in the State of Arizona (the Consultant).

Employment Agreement. It is anticipated that the Consultant and the Bank will enter into an Employment Agreement having a term of not less than three years, in a form satisfactory to each of the Consultant and the Bank in their reasonable discretion, subject to the approval of such form by the Banks primary regulators and modifications to such form as may be required by the regulators, which Employment Agreement shall be effective as of the date on which the Office of the Comptroller of the Currency issues the Certificate of Authority to the Bank and the Federal Deposit Insurance Corporation issues approval for Insurance of Accounts.

Employment Agreement from Consulting Agreement

This Agreement (this Agreement) is entered into as of the 1st day of July, 2008 by and between United Business Holdings, Inc. (the Company) having its principal place of business in San Diego, California and Christi Thompson, an adult individual residing in the State of Texas (the Consultant).

Employment Agreement. It is anticipated that the Consultant and the Bank will enter into an Employment Agreement having a term of not less than three years, in a form satisfactory to each of the Consultant and the Bank in their reasonable discretion, subject to the approval of such form by the Banks primary regulators and modifications to such form as may be required by the regulators, which Employment Agreement shall be effective as of the date on which the Texas Department of Banking or the Office of the Comptroller of the Currency, as the case may be, issues the Certificate of Authority to the Bank and the Federal Deposit Insurance Corporation issues approval for Insurance of Accounts.

Employment Agreement from Consulting Agreement

This Agreement (this Agreement) is entered into as of the ___ day of April, 2007 by and between T&E Group, Inc. (the Company) having its principal place of business in San Diego, California and Bob Adkins, an adult individual residing in the State of California (the Consultant).

Employment Agreement. It is anticipated that the Consultant and the Bank will enter into an Employment Agreement having a term of not less than three years, in a form satisfactory to each of the Consultant and the Bank in their reasonable discretion, subject to the approval of such form by the Banks primary regulators and modifications to such form as may be required by the regulators, which Employment Agreement shall be effective as of the date on which the California Department of Financial Institutions issues the Certificate of Authority to the Bank and the Federal Deposit Insurance Corporation issues approval for Insurance of Accounts.