Union Bank and Trust Company

?? Union Bank & Trust is proud to be an exhibitor and sponsor of the New York City Building Trades Winter Conference, taking place March 26th–30th at The Diplomat in Hollywood, Florida! ???? Stop by the UBT booth and connect with Eugene Dobrolyubov and Corrine Johnson — we’d love to chat about how UBT supports union workers and building trades across the country. ?????? From banking and lending to custody services, we're here to deliver financial solutions tailored to the needs of the labor community. Let’s build strong financial futures—together. ?? ??♂???♀? #UBTMN #UnionStrong #BuildingTrades #ConstructionFinance #NYBT #BankingForUnions #LaborFocusedBanking #Custody #100percentUnionOwned SHEET METAL WORKERS LOCAL UNION 28 District Council 9 IUPAT INTERNATIONAL UNION OF OPERATING ENGINEERS LOCAL 14-14B WLFRE FUND Local 46 Metallic Lathers and Reinforcing Ironworkers OPERATING ENGINEERS UNION LOCAL 30 30-A 30-B & 30-C WELFARE FUND HEAT AND FROST INSULATORS LOCAL 12 United Union Of Roofers Local No. 8 Cement Masons Local 780 Teamsters Local 282 Teamsters Local 813 BOARD OF TRUSTEES OF TEAMSTERS LOCAL 814 PENSION FUND

?? Calling All Locals ?? Your union deserves a banking partner that works for workers, not against them. ?????? At Union Bank & Trust (UBT), we stand with labor unions every step of the way. Here’s why your union should bank with us: ? Union-Focused Banking ?? UBT isn’t just union-friendly—we actively work with, are owned by, and employ union members (Office Professionals Local 12). Unlike big banks that prioritize corporate interests, we understand the unique financial needs of unions—from dues collection to strike funds. ? Expertise in Taft-Hartley & Multi-Employer Benefits ???? Managing pensions, health & welfare funds, and retirement plans is complex. UBT has deep expertise in Taft-Hartley trust funds, ensuring your members' benefits are handled with precision and compliance. ? A Banking Partner That Respects & Advocates for Workers ????? We prioritize worker-friendly businesses, reinvest in local communities, and never fund anti-labor initiatives. Banking with UBT means your money supports your mission—not corporations working against labor rights. ?? It’s time to put your union’s money where its values are! Partner with a bank that truly understands labor unions and their members. ?? Let’s talk today! #UnionStrong #LaborUnions #WorkersFirst #BankWithUBT #UnionBanking #TaftHartley #StrikeFunds #LaborMovement ??Sean Cole Brandon Padget, PBC-II Taylor Rollins James Sher Nate Kariniemi Eugene Dobrolyubov Corrine Johnson Tom Meyerson

?? What an incredible experience at the 106th Massachusetts Building Trades Conference! ????♂? It was an honor to meet and talk with so many Massachusetts labor leaders—hearing their stories, learning from their experiences, and witnessing firsthand the passion they bring to building a stronger, more equitable workforce. ????? These conversations reinforce why we do what we do—supporting the men and women who keep our country moving forward, brick by brick and beam by beam. ????? One of the most exciting moments of the conference was being there while Office of Massachusetts Governor Maura Healey?? signed an Executive Order to promote the use of Project Labor Agreements (PLAs) on large public works projects. ? This is a huge win for workers, ensuring projects are completed on time, within budget, and with a commitment to good-paying jobs for people of all backgrounds. ????♀? A monumental step forward for the trades and for Massachusetts! ?? A huge thank you ?? to 617MediaGroup and Jeff H. for being such incredible partners—your work in amplifying the voices of labor is truly invaluable. ???? On behalf of Sean Cole, Nate Kariniemi, and Brandon Padget, PBC-II, we sincerely appreciate the time, hospitality, and conversations with everyone who made this event so impactful. ?? Looking forward to continuing these partnerships and building a stronger future together! ????? #MassBuildingTrades ??? #UnionStrong ? #PLAs ? #GoodJobs ?? #LaborMovement ??

Proud to represent Union Bank and Trust Company at the 2025 NCCMP Conference! This year’s NCCMP was a well-attended, insightful event, providing education, industry updates, and opportunities to connect with labor leaders and labor-friendly businesses nationwide. A special thank you to UBT Chairman Terry Nelson, Board Director Jeff Stark, and bank officers Sean Cole (CEO), James Sher (CTO), and Eugene Dobrolyubov (VP) for their participation and commitment to strengthening financial solutions for the labor community. Looking forward to continuing our mission of serving unions with tailored lending, treasury, and custodial services! #LaborStrong #UnionBanking #NCCMP2025

?? Union Bank & Trust will be at the Massachusetts Building Trades?? We’re proud to be the Lunch Sponsor ?? at the 106th Massachusetts Building Trades Conference in Springfield, MA at MGM Springfield March 10th and 11th! ????? Stop by our UBT booth and say hello! ?? Sean Cole, Brandon Padget, PBC-II, and Nate Kariniemi will be in attendance and would love to chat about how UBT supports building trades and union workers ?????? Let’s talk about banking solutions that work for you—whether it’s business banking, lending, or custody services! ?? See you there! ??♂???♀? #UBT #BuildingTrades #UnionStrong #BankingForUnions #MBTC2025 #ConstructionFinance

Empowering Cannabis Businesses: Banking That Works for You ???? For over a decade, Union Bank & Trust has been at the forefront of providing reliable, transparent banking solutions for cannabis-related businesses (CRBs). As the industry evolves, so do the financial needs of cannabis entrepreneurs—and we’re here to help. ?? Why UBT? ? A decade of experience in cannabis banking ? Compliant, stable, and transparent financial solutions ? Deep understanding of industry challenges and opportunities ? UBT's lack of "CannaTax" allows CRBs to reinvest in their business, fueling growth and innovation. We believe that when cannabis businesses can reinvest their earnings, they create jobs, strengthen communities, and expand access. Whether you’re launching a new dispensary, scaling operations, or looking for a banking partner who understands your needs, UBT is here to help you thrive. ?? Let’s talk about how we can support your success! Check out www.ubtmn.com for more details. #CannabisBanking #UnionBankTrust #FinancialSolutions #CRBs #BankingForGrowth #InvestInYourFuture Brandon Padget, PBC-II

The 2025 NCCMP Annual Conference starts tomorrow, March 6th – March 9th! We’re proud to be an exhibitor of the 2025 NCCMP Annual Conference, supporting labor unions nationwide! ?? Stop by our booth #31 to meet James Sher, Eugene Dobrolyubov, and Sean Cole from the Union Bank & Trust team. They’re excited to share how we provide tailored financial solutions for unions, including: ? Trust Accounts ? Pension Funds ? Health & Welfare Funds ? Deposit Accounts ? Commercial Loans ? Real Estate Financing As a 100% union-owned organization, we understand the unique financial needs of unions. Let’s build a stronger, union-driven future—together! ?? #100PercentUnionOwned #WeGetUnions #UBTMN #UnionStrong #TrustAccounts #PensionFunds #HealthAndWelfareFunds #CommercialLoans #CommercialRealEstate

?? Lucky Leaf Expo Recap – The Energy Was Electric! ??? What an incredible few days at Lucky Leaf Expo! We had great fun at Sota Cann?'s Thursday night party to CannaConnect’s Friday night bash, the Minnesota cannabis industry showed up and showed out. The energy, collaboration, and passion on display were truly inspiring. ?? Connections That Matter We had some amazing conversations with business owners, operators, and advocates who are all working toward the same goal—building a strong, sustainable cannabis industry in Minnesota. The overwhelming support for one another was incredible to see. This isn’t just about individual success; it’s about strengthening the entire ecosystem so we all thrive together. ? CannaTax? Still? It’s surprising that some providers are still pushing the idea of a CannaTax—an unnecessary burden on businesses already navigating high costs and complex regulations. We need to be fighting for policies that support growth, not stifle it. ?? Real Business Impact One of the most eye-opening conversations we had was with a business owner paying nearly $30,000 annually in bank fees just to keep their cannabis business running. That’s money that could be going toward hiring more staff, expanding operations, and strengthening the local economy. This is exactly why access to fair and transparent banking services is critical for the industry’s success. ??? A Union-Built Future A strong, thriving cannabis industry means skilled union jobs that bolster the middle class. As the market grows, so does the opportunity for good-paying jobs that provide stability for workers and their families. We believe in an industry that’s built by the people, for the people—one that supports both small business owners and hardworking Minnesotans looking for careers in a growing sector. ?? The Takeaway Lucky Leaf Expo was a powerful reminder that Minnesota’s cannabis industry is here to stay and grow. The collaboration, the passion, and the drive to create something meaningful were on full display. We’re excited for what’s ahead, and we’ll keep pushing for a system that truly supports businesses, workers, and the entire community. ?? Onward and upward, Minnesota! ?? #LuckyLeafExpo #CannaConnect #SotaCann #CannabisBanking #NoCannaTax #UnionStrong #MiddleClassGrowth #MNcannabis Brandon Padget, PBC-IITaylor RollinsSean ColeCorrine JohnsonOliver Gutierrez-Garcia ,PCB- II

Join Union Bank & Trust at Lucky Leaf Expo Leaf – Booth #304! ???? Union Bank & Trust (UBT) has been proudly supporting the hemp and cannabis industries since 2014. We recognized early on the opportunities in this space and have been committed to serving cannabis entrepreneurs and business owners in Minnesota ever since. To meet the unique financial needs of the industry, we developed a Cannabis Banking Program—a comprehensive solution led by dedicated experts who understand the complexities of compliance and operations. With industry-specific technology, we streamline due diligence and onboarding, ensuring transparency and efficiency for legal cannabis businesses. Why Choose UBT for Cannabis Banking? ? Deep Industry Experience – We’ve been a trusted financial partner in the cannabis space for over a decade. ? Tailored Banking Solutions – From business checking and money market accounts to robust treasury management services, we have what you need. ? Compliance-Focused & Transparent – Our program is built to align with Minnesota regulations and industry best practices. ? Responsive & Relationship-Driven – We take a hands-on approach, providing personalized service to help your business thrive. ? More Than Just Banking – We connect cannabis entrepreneurs with key industry players, fostering opportunities beyond financial services. Come visit us at Booth #304 at Lucky Leaf Expo and let’s talk about how UBT can support your cannabis business. See you there! ???? #UBT #CannabisBanking #LuckyLeafExpo #HempIndustry #MinnesotaCannabis #BankingSolutions #UnionBankAndTrust Sean ColeTaylor Rollins Oliver Gutierrez-Garcia ,PCB- II Corrine JohnsonTom Meyerson

We're honored to be featured on the front page of the February issue of Philly Labor Link! A huge thank you to the Philadelphia Council AFL-CIO for the invitation and for all the incredible introductions Union Bank and Trust Company received in this market. It’s been a privilege to connect with so many dedicated labor leaders and advocates. A special shoutout to Danny Bauder, President of the Philadelphia Council AFL-CIO, and his entire team for their hospitality and leadership in strengthening the labor movement. For any of our labor colleagues looking to stay informed on Philly’s labor movement, events, and news, I highly recommend checking out their website. https://phillyaflcio.org/ #LaborStrong #UnionProud #PhillyLabor #AFL-CIO #UnionBankandTrust