Message from Board Chairman

We strive to have an economic, social and spiritual impact and provide a safe and growing company for all our shareholders.

Dear Shareholder,

UTG’s performance over the last year is a reflection of our belief that steady plodding is the best strategy over time. Earnings in 2017 were solid and the balance sheet was strengthened. Careful analysis of current investments and due diligence on new opportunities with proven partners has served us well.

By staying debt free and keeping lots of cash, we should be able to weather volatile economic times. Our goal is to be in the position to take advantage of opportunities as they arise and not be the opportunity for someone else.

We strive to have an economic, social and spiritual impact and provide a safe and growing company for all our shareholders. We will not pay dividends as long as we find good investments that will grow the company’s capital. Our stock price was at an all-time high in 2017.

The stock buyback plan continues to be in place for now and for those who may want to sell, just give our office a call if you are so inclined.

It is both an honor and pleasure to serve you.

Sincerely,

Jesse T. Correll

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