pg. 2

"This statement is made pursuant to Section 54, Part 6 of the Modern Slavery Act 2015 (“the Act”) and sets out the steps that United Trust Bank (UTB) has taken to reduce, as far as possible, the risk that slavery and human trafficking takes place in any parts of its business or supply chains. This statement was approved by the Board of Directors on 27th June 2019 and signed by Jonathan Ayres, Chief Financial Officer."