Document:

<PAGE>
                                                                     Exhibit 4.2

                     FIRST AMENDMENT TO THE RIGHTS AGREEMENT

            THIS FIRST AMENDMENT TO THE RIGHTS AGREEMENT (this "Amendment"),
dated as of November 12, 2002, is made by and between OraPharma, Inc., a
Delaware corporation (the "Company"), and StockTrans, Inc., as Rights Agent (the
"Rights Agent"). The Company and the Rights Agent may be individually referred
to herein as a "Party" and, collectively, as the "Parties."

                                   BACKGROUND

      A. The Parties entered into a Rights Agreement, dated as of August 1, 2002
(the "Agreement"). Capitalized terms not otherwise defined herein shall have the
meaning ascribed to such terms in the Agreement.

      B. Johnson & Johnson, a New Jersey corporation ("Parent"), Pivot Merger
Sub, Inc., a Delaware corporation and a wholly owned subsidiary of Parent
("Sub") and the Company are entering into an Agreement and Plan of Merger, dated
as of the date hereof (as amended or supplemented from time to time, the "Merger
Agreement"), pursuant to which Sub shall be merged with and into the Company
with the Company surviving the merger.

      C. Certain stockholders of the Company, in connection with the Merger
Agreement, are entering into that certain Stockholder Agreement with Parent,
dated as of the date hereof (as amended or supplemented from time to time, the
"Stockholder Agreement"), and Parent will become a Beneficial Owner (as such
term is defined in the Agreement) of the shares subject to the Stockholder
Agreement upon its execution.

      D. The Board of Directors of the Company has determined that an amendment
to the Rights Agreement as set forth herein is advisable and in the best
interests of the Company and its stockholders.

      E. Pursuant to Section 27 of the Agreement, the Company has directed the
Rights Agent to join this Amendment.

                                      TERMS

            In consideration of the mutual covenants contained herein and in the
Agreement and intending to be legally bound hereby, the Parties agree as
follows:

            1. Amendment of Section 1(a). The definition of "Acquiring Person"
in Section 1(a) of the Agreement is hereby amended by adding the following at
the end thereof:

            "none of Johnson & Johnson, a New Jersey corporation ("Parent"),
            Pivot Merger Sub, Inc., a Delaware corporation and a wholly owned
            subsidiary of Parent ("Sub" and collectively with Parent,
<PAGE>
            "Acquiror") nor any of their respective Affiliates or Associates
            shall be deemed to be an Acquiring Person solely by reason of the
            approval, execution, delivery and performance of the Agreement and
            Plan of Merger, dated as of November 12, 2002, by and among Parent,
            Sub and the Company (as amended or supplemented from time to time,
            the "Merger Agreement"), or the Stockholder Agreement, dated as of
            November 12, 2002 by and among Parent and certain stockholders of
            the Company party thereto (as amended or supplemented from time to
            time, but excluding any amendment or supplement that has the effect
            of adding a stockholder of the Company as a party thereto) (the
            "Stockholder Agreement") or the consummation of any other
            transaction to be effected thereby."

            2. Amendment to Section 1(hh). The definition of "Stock Acquisition
Date" in Section 1(hh) of the Agreement is amended by inserting the following
sentence at the end thereof:

            "Notwithstanding anything in this Agreement to the contrary, a Stock
            Acquisition Date shall not be deemed to have occurred solely as the
            result of the public announcement, approval, execution, delivery and
            performance of the Merger Agreement or the Stockholder Agreement or
            the consummation of any other transaction to be effected thereby."

            3. Amendment to Section 1(mm). The definition of "Triggering Event"
in Section 1(mm) of the Agreement is hereby deleted in its entirety and replaced
with the following:

            "(mm) "Triggering Event" shall mean any Section 11(a)(ii) Event or
            Section 13 Event, provided that none of the approval, execution,
            delivery and performance of the Merger Agreement or the Stockholder
            Agreement or the consummation of any other transaction to be
            effected thereby shall be deemed to be a Triggering Event."

            4. Amendment to Section 3(a). Section 3(a) of the Agreement is
hereby amended by inserting the following sentence immediately after the last
sentence thereof:

            "Notwithstanding anything in this Agreement to the contrary, a
            Distribution Date shall not be deemed to have occurred solely by
            reason of the approval, execution, delivery and performance of the
            Merger Agreement or the Stockholder Agreement or the consummation of
            any other transaction to be effected thereby."

                                      -2-
<PAGE>
            5. Amendment to Section 11(a)(ii). Section 11(a)(ii) of the
Agreement is hereby amended by adding the following sentence at the end thereof:

            "Notwithstanding anything in this Agreement to the contrary, none of
            the approval, execution, delivery and performance of the Merger
            Agreement or the Stockholder Agreement or the consummation of any
            other transaction to be effected thereby shall cause the Rights to
            be adjusted or become exercisable in accordance with this Section
            11(a)(ii)."

            6. Amendment to Section 7(a). Section 7(a) of the Agreement is
hereby amended by adding the phrase "(x)" immediately following the phrase
"(i)"; by deleting the phrase (the "Final Expiration Date") and replacing such
phrase with the following clause "(y)" or (y) immediately prior to the Effective
Time (as defined in the Merger Agreement) (the earlier to occur of (x) or (y),
the "Final Expiration Date")."

            7. Amendment to Section 13. The following Section 13(f) is hereby
added after Section (e):

            "(f) Notwithstanding anything contained in this Agreement to the
            contrary, in no event shall the provisions of this Section 13 apply
            to the approval, execution, delivery and performance of the Merger
            Agreement or the Stockholder Agreement or the consummation of any
            other transaction to be effected thereby."

            8. Other Provisions Unaffected. This Amendment shall be deemed to be
in full force and effect immediately prior to the execution and delivery of the
Merger Agreement and the Stockholder Agreement.

            9. Miscellaneous.

            a. Counterparts. This Amendment may be executed in any number of
counterparts and each of such counterparts shall for all purposes be deemed to
be an original, and all such counterparts shall together constitute but one and
the same instrument.

            b. Governing Law. This Amendment, the Agreement, each Right and each
Right Certificate issued hereunder or thereunder shall be deemed to be a
contract made under the laws of the State of Delaware and for all purposes shall
be governed by and construed and in accordance with the laws of such State
applicable to contracts to be made and performed entirely within such State;
provided, however, that all provisions regarding the rights, duties and
obligations of the rights Agent shall be governed by and construed in accordance
with the laws of the State of New York applicable to contracts to be made and
performed entirely within such state.

                                      -3-
<PAGE>
            c. Further Assurances. Each Party shall cooperate and take such
action as may be reasonably requested by another Party in order to carry out the
provisions and purposes of this Amendment, the Agreement, generally, and the
transactions contemplated hereunder and/or thereunder.

            d. Descriptive Headings. Descriptive headings of the several
Sections of this Amendment and the Agreement are inserted for convenience only
and shall not control or affect the meaning or construction of any of the
provisions hereof or thereof.

            e. Entire Agreement. This Amendment and the Agreement, and all of
the provisions hereof and /or thereof, shall be binding upon and inure to the
benefit of the Parties and their respective successors and permitted assigns and
executors, administrators and heirs. This Amendment, together with the
Agreement, sets forth the entire agreement and understanding among the Parties
as to the subject matter hereof and merges with and supercedes all prior
discussions and understandings of any and every nature among them.

                                      -4-
<PAGE>
            IN WITNESS WHEREOF, the Parties have executed this First Amendment
to the Rights Agreement as the date first set forth above.

                                         ORAPHARMA, INC.

                                              /s/ Michael D. Kishbauch
                                         By: _______________________________
                                               Name: Michael D. Kishbauch
                                               Title: President and CEO

                                         STOCKTRANS, INC.

                                              /s/ Gina Hardin
                                         By: _______________________________
                                               Name: Gina Hardin
                                               Title: Vice President

                                      -5-Exhibit 10.11

United Financial Corp.
November 17, 2002
Page 1

                                                           CORRESPONDENT BANKING

                                               Norwest Bank Minnesota, N.A.
                                               Norwest Center
                                               Sixth and Marquette
                                               Minneapolis, Minnesota 55479-0015
                                               612/667-8834
                                               Fax. 612/667-3510

November 17, 1999

United Financial Corp.
Kurt R. Weise, President
c\o Central Financial Services, Inc.
5500 Wayzata Boulevard
Golden Valley, Minnesota 55416

Dear Mr. Weise:

     This Letter Agreement ("Agreement") sets forth the terms and conditions
governing that certain revolving line of credit by Norwest Bank Minnesota,
National Association ("Norwest") to United Financial Corp. ("Borrower") in the
original principal amount of THREE MILLION AND 00/100 DOLLARS ($3,000,000.00)
for the purpose set forth below (the "Line").

1. The Line. From time to time until October 30, 2000 (the "Termination Date")
the Borrower may request advances under the Line in an aggregate principal
amount not exceeding $3,000,000.00, at any one time outstanding. Each request
for an advance under the Line must be received by Norwest no later than 2:30
P.M. on the day of funding. Within the limit of the Line, the Borrower may
borrow, prepay and reborrow under the Line. Borrowings under the Line shall be
evidenced by a promissory note (the "Note"), in form and substance satisfactory
to Norwest, in the face amount of $3,000,000.00. The Note shall be executed and
delivered by the Borrower to Norwest concurrently with this Agreement.

2. Purpose. The proceeds of the advances under the Line shall be used to acquire
issued and outstanding shares in the Valley Bank of Arizona, a state chartered
commercial bank located in Phoenix, Arizona (the "Phoenix Bank"; "Acquisition"),
the effect of which Acquisition will provide Borrower with an ownership interest
in Phoenix Bank approximating fifty per cent.

3. Interest Rate. The principal balance outstanding under the Note shall bear
interest at an annual rate of interest equal to one hundred seventy-five (175)
basis points (1.75%) in excess of the Federal Funds Rate in effect from time to
time. Each change in the interest rate shall become effective on the day the
corresponding change in the Federal Funds Rate becomes effective. As used
herein, "Federal Funds Rate" shall mean the daily market rate quoted to Norwest
at 12:00 p.m. each day by dealers in the Federal Funds Market for the offering
of dollars to Norwest for deposit as such rate may increase or decrease from the
date of the Note. Interest on the Note shall be calculated on the basis of
actual number of days elapsed in a 360-day year.

4. Interest Payments. Interest on the Note shall be payable quarterly,
commencing February 29, 2000, and on the last of each subsequent fiscal
quarter-end and upon the Termination Date.

5. Principal Payments. On the Termination Date, all outstanding principal of the
Note shall be due and payable in full.

6. Prepayment. The Borrower may at any time prepay the Note in whole or from
time to time in part without premium or penalty. If at any time the principal
outstanding under the Note exceeds $3,000,000.00, the Borrower must immediately
prepay the Note in an amount sufficient to eliminate the excess.

<page>

United Financial Corp.
November 17, 2002
Page 2

7. Collateral. The payment and performance of Borrower's obligations under the
Note shall be secured by a collateral pledge agreement (the "Borrower's
Collateral Pledge") duly executed by Borrower for the benefit of Norwest.
Pursuant to the provisions of the Borrower's Collateral Pledge, the Borrower
shall grant Norwest a first security interest in all issued and outstanding
capital stock now or hereafter owned by Borrower in Heritage Bank fsb, a
federally chartered stock savings bank located in Great Falls, Montana (the
"Bank"). At the closing of the Line, Borrower shall deliver to Norwest 200,000
shares (100%) of the Bank, which shares shall secure the Note.

8. Conditions Precedent. The Borrower shall deliver the following to Norwest, in
form and content acceptable to Norwest, prior to the initial advance under the
Line:

     A.   A copy of the Borrower's Articles of Incorporation, and all amendments
          thereto, certified as of the most recent date practicable by the
          Secretary of State of the State of Minnesota;

     B.   A copy of the Borrower's By-laws and all amendments thereto, certified
          as true and complete by an appropriate officer of the Borrower;

     C.   Certificate of Good Standing relative to the Borrower, issued as of
          the most recent date practicable by the Secretary of State of the
          State of Minnesota;

     D.   A photocopy of the resolutions of the Borrower's Board of Directors,
          authorizing the execution, delivery and performance of this Agreement,
          Borrower's Collateral Pledge, the Note and the other documents
          contemplated herein, certified by the corporate secretary of the
          Borrower;

     E.   A Norwest Certificate of Authority, duly executed by the corporate
          secretary of the Borrower;

     F.   The Note, duly executed by the Borrower;

     G.   The Borrower's Collateral Pledge, duly executed by Borrower;

     H.   Stock certificates and stock powers relative to the shares of stock in
          the Bank, which shares are being pledged pursuant to Borrower's
          Collateral Pledge; said stock certificates evidencing shares of
          unrestricted, unlettered common voting stock of the Bank, free of all
          liens and encumbrances; and

     I.   An arbitration agreement, duly executed by the Borrower.

9. Representations and Warranties. The Borrower hereby represents and warrants
to Norwest as follows:

     A.   The Borrower and the Bank are corporations duly organized, existing
          and in good standing under the laws of the States of Minnesota and
          Arizona, respectively.

     C.   The Acquisition and the execution and delivery by the Borrower of this
          Agreement, the Note, Borrower's Collateral Pledge and the other
          documents referenced herein will not conflict with the terms of the
          Borrower's Articles of Incorporation or By-laws, or with any order,
          rule or regulation of any court or of any federal or state regulatory
          body or administrative agency or other governmental agency having
          jurisdiction over the Borrower or the Bank.

     D.   The Acquisition and the execution and delivery by the Borrower of this
          Agreement, the Note, Borrower's Collateral Pledge and the other
          documents referenced herein have been duly authorized by the
          Borrower's Board of Directors, and will not result in any breach of,
          or constitute a default under, any outstanding indenture, mortgage,
          deed of trust, bank loan or credit agreement or other instrument to
          which the Borrower or the Bank is a party or by which such entity or
          its property is bound.

     E.   There is no litigation or governmental proceeding pending or
          threatened in any way against the Borrower and the Bank (collectively,
          the "Bank Group"), to the best of its knowledge, which could have a
          materially adverse effect on such entity.

     F.   All authorizations of governmental agencies, bodies or authorities
          which are necessary to permit the Acquisition and the execution and
          delivery of this Agreement and the other documents referred to

<page>

United Financial Corp.
November 17, 2002
Page 3

          herein by the Borrower have been obtained and are in full force and
          effect, and no further approval, consent, order or authorization of or
          designation, registration, declaration or filing with any governmental
          authority is required in connection therewith.

     G.   As of the date of this Agreement, there are 200,000 shares of common
          voting stock in the Bank issued and outstanding, of which the Borrower
          owns 200,000 shares (100%).

10. Covenants. Without Norwest's prior written consent, for so long as any
indebtedness remains outstanding under the Note, the Borrower:

     A.   Shall use the proceeds of advances under the Line exclusively for the
          purposes set forth in Section 2 of this Agreement.

     B.   Shall not permit the ratio of its total liabilities to stockholder
          equity accounts as reported in its financial statements delivered to
          Norwest under this Agreement to exceed thirty percent (30%).

     C.   Shall, and shall cause each member of the Bank Group to:

          (i)  Keep accurate books of record and account, in which true and
               complete entries will be made in accordance with generally
               accepted accounting principles, consistently applied, and upon
               request by Norwest, will give the Norwest account officer or
               representative access to and permit such representative to
               examine, copy or make extracts from, any and all books, records
               and documents of such entity, to inspect any of their respective
               properties and to discuss their respective affairs, finances and
               accounts with any of their respective principal officers, all at
               such times during normal business hours and as often as Norwest
               may reasonably request.

          (ii) Except for the Acquisition, refrain from purchasing any stock or
               other securities of, or make any loans or advances of credit to,
               or make any investments or acquire any controlling interest
               whatsoever in, any other corporation, bank or non-bank
               institution.

          (iii)Refrain from declaring or paying any dividends on any class of
               stock or make any payment on account of the purchase, redemption
               or other retirement of any share of stock or make any
               distribution in respect thereof, either directly or indirectly,
               specifically excluding payment of dividends to allow payment of
               the Borrower's indebtedness to Norwest and payment of shareholder
               dividends provided that no Event of Default has occurred under
               this Agreement.

          (iv) Refrain from issuing any additional capital stock, notes or
               debentures of any type or class.

          (v)  Refrain from incurring or creating any indebtedness or liability
               for borrowed money, except (a) indebtedness owed to Norwest, (b)
               indebtedness disclosed in writing to Norwest prior to the date of
               this Agreement, (c) indebtedness incurred in the Borrower's
               ordinary course of business where such occurrence, assumption,
               creation of indebtedness or liability is specifically authorized
               by any federal or state regulatory agency having jurisdiction or
               control over the Borrower or the Bank, and (d) indebtedness owed
               by the Borrower to any of its shareholder(s) if such indebtedness
               is subordinated to the Note on written terms acceptable to
               Norwest.

          (vi) Refrain from assuming, guaranteeing, endorsing or otherwise
               becoming directly or indirectly liable in connection with the
               obligations of any other person or entity, except for the
               endorsement of instruments in the ordinary course of business.

          (vii)Maintain blanket bond coverage, property and casualty coverage,
               and errors and omissions coverage from insurance agencies as
               customary for such businesses and provide prompt notice to
               Norwest of any action taken by insurance providers that will
               seriously alter, amend or terminate the above-referenced
               insurance coverage.

<page>

United Financial Corp.
November 17, 2002
Page 4

         (viii)Provide Norwest with prompt written notice of any executive
               management changes in the Bank.

         (ix)  Provide Norwest with prompt written notice of any negotiations to
               sell any capital stock of the Bank, together with copies of any
               proposed buy/sell agreements; provided, however, that this
               subparagraph shall not be deemed approval by Norwest of any such
               negotiation, and, provided further that this subparagraph shall
               not apply to information which under applicable law or regulation
               is prohibited from disclosure to Norwest.

         (x)   (a) Conduct a detailed inventory and assessment of all of its
               computer hardware and software systems and imbedded chip
               technology ("Information Systems ") and of its business and
               operations that could be adversely affected by its failure to be
               Year 2000 Compliant on a timely basis; (b) develop, fund and
               implement and test a project plan to make its Information Systems
               Year 2000 Compliant; and (c) initiate a process to determine
               whether its material suppliers, vendors and customers have taken
               meaningful steps to become Year 2000 Compliant on a timely basis,
               and complete the development and implementation of a feasible
               contingency plan to ensure the uninterrupted and unimpaired
               operation of its business in the event of the failure of the
               systems of such third parties or its own Information Systems. For
               purposes of this covenant, "Year 2000 Compliant" means that the
               Information Systems of each member of the Bank Group that are
               material to its operation and financial condition will be able to
               process properly date sensitive functions before, on and after
               December 31, 1999.

     D.  Shall cause the Bank:

         (i)   To maintain a Return on Assets ("ROA") not less than 0.75% as of
               the end of each fiscal quarter calculated on a four quarter
               moving average including the current quarter reported plus the
               three immediately preceding quarters.

         (ii)  To maintain the ratio of its Tangible Primary Capital to its
               Total Assets at a level equal to or greater than eight percent
               (8%) as of the end of each fiscal quarter, or the minimum ratio
               required by any regulatory agency having authority over the Bank.
               As used herein, "Tangible Primary Capital" shall mean the
               difference of (i) the sum of perpetual preferred stock, common
               stock, surplus, undivided profits, capital reserves and allowance
               for loan and lease losses, less (ii) the sum of the net
               unrealized gains (and losses) on Available-for-Sale securities,
               goodwill and other intangible assets as disclosed in the Bank's
               Call Reports (as defined in Section 11B below)

         (iii) Not to allow the total of its non-performing loans (those
               classified 90 days past due or non-accrued, as reported in the
               Bank's quarterly Call Reports) to exceed fifteen percent (15%) of
               its Equity Capital, as of the end of each fiscal quarter. "Equity
               Capital" shall mean the sum of perpetual preferred stock, common
               stock, surplus, undivided profits and capital reserves less the
               net unrealized gains (and losses) on Available-for-Sale
               securities, as disclosed in the Bank's Call Reports.

         (iv)  To maintain an allowance for loan and lease losses at a minimum
               of one hundred percent (100%) of the total amount of
               non-performing loans (those classified 90 days past due or
               non-accrued as reported in quarterly Call Reports).

11. Reporting Requirements. For so long as any indebtedness remains outstanding
under the Note, the Borrower shall furnish to Norwest, in form and content
acceptable to Norwest:

     A.   Within 90 days after the end of each fiscal year of each member of the
          Bank Group, the annual audited financial statement of the Borrower,
          and the annual unaudited financial statement of the Bank, all of

<page>

United Financial Corp.
November 17, 2002
Page 5

          which shall be prepared on a basis consistent with the accounting
          practices reflected in the most recent financial reports delivered by
          the Borrower to Norwest prior to the date of this Agreement.

     B.   As soon as available, and in any event within 45 days after the end of
          each fiscal quarter, the complete Consolidated Report of Condition and
          Reported Income (FFIEC 034) (the "Call Report") prepared by the Bank
          at the end of such fiscal quarter in compliance with the requirements
          of any federal or state regulatory agency which has authority to
          examine the Bank, all prepared in accordance with the requirements
          imposed by the applicable regulatory authorities and applied on a
          basis consistent with the accounting practices reflected in any
          previous Call Report and similar statements.

     C.   As soon as available, an in any event within 60 days after the end of
          each quarter of each fiscal year of the Borrower, the complete
          Consolidated Report for Bank Holding Comnpanies (FRY-9C) required to
          be filed with the Federal Reserve Bank (the "Fed") in the Federal
          Reserve District where the Borrower is located.

     D.   As soon as available, an in any event within 60 days after the end of
          each quarter of each fiscal year of the Borrower, the complete Parent
          Company Only Financial Statements For Bank Holding Companies (FRY-9LP)
          required by the Fed.

     E.   As soon as available, and in any event within 90 days after each
          fiscal year end of the Borrower, the Annual Report of Domestic Holding
          Companies (FRY-6) required by the Fed.

     F.   As soon as available (but without duplication of any other requirement
          set forth in this Section 11) a photocopy of all reports which are
          required by law to be furnished to any regulatory authority having
          jurisdiction over any member of the Bank Group (including without
          limitation Call Reports, but excluding any report which applicable law
          or regulation prohibits a member of the Bank Group from furnishing to
          Norwest).

     G.   As soon as available, and in any event within 45 days after each
          fiscal quarter end of the Borrower, a compliance certificate, in form
          and content acceptable to Norwest, that has been signed by an officer
          of each member of the Bank Group which (i) certifies that the officer
          has no knowledge of any event of default under this Agreement or the
          documents described herein, or of any event which would, after the
          lapse of time or the giving of notice, or both, constitute an Event of
          Default under this Agreement or the documents described herein; and
          (ii) demonstrates that the Borrower and the Banks remain in compliance
          with all financial covenants that must be complied with as of the date
          thereof.

     H.   Immediately upon knowledge thereof, notice in writing to Norwest upon
          the occurrence of any Event of Default (hereinafter defined).

     I.   Such other information respecting the financial condition and results
          of operations of any member of the Bank Group as Norwest may from time
          to time reasonably request, except information which, under applicable
          law or regulation, is prohibited from disclosure.

12. Default. The occurrence of any one or more of the following shall constitute
an Event of Default under this Agreement:

     A.   Default in the payment of interest or principal on the Note when due,
          and continuance of such default for 10 calendar days.

     B.   The Borrower shall breach any other agreement or covenant contained in
          this Agreement or in any other agreement between the Borrower and
          Norwest, and such breach is not cured within 30 calendar days of
          receipt of written notice from Norwest.

     C.   Any event of default shall occur under Borrower's Collateral Pledge
          and such default is not cured within 30 days of receipt of written
          notice from Norwest.

<page>

United Financial Corp.
November 17, 2002
Page 6

     D.   Any representation or warranty made by the Borrower in this Agreement
          or in any statement or certificate furnished to Norwest by or on
          behalf of the Borrower is untrue or misleading in any material
          respect.

     E.   The issuance or proposed issuance upon any member of the Bank Group of
          any informal or formal administrative action, temporary or permanent,
          issued by any federal or state regulatory agency having jurisdiction
          or control over any member of the Bank Group, against any member of
          the Bank Group, such action taking the form of, but not limited to:
          (i) any informal or formal directive citing conditions or activities
          deemed to be unsafe or unsound or breaches of fiduciary duty or law or
          regulation; (ii) a memorandum of understanding; (iii) a cease and
          desist order; (iv) the termination of insurance coverage of customer
          deposits by the Federal Deposit Insurance Corporation; (v) the
          suspension or removal of a bank officer or director, or the
          prohibition of participation by any others in the business affairs of
          any member of the Bank Group; (vi) capital maintenance agreement; or
          (vii) other regulatory action, agreement or understanding with respect
          to any member of the Bank Group.

     F.   Proceedings in bankruptcy or for the reorganization of any member of
          the Bank Group, or for the readjustment of any of its debts under the
          United States Bankruptcy Code or under any other law (whether state or
          federal) for the relief of debtors shall be commenced by any member of
          the Bank Group, or shall be commenced against any member of the Bank
          Group, or any member of the Bank Group makes an assignment for the
          benefit of creditors, or with or without consent, a custodian, trustee
          or receiver is appointed for any member of the Bank Group or any of
          such member's property or any member of the Bank Group is dissolved,
          liquidated or winds up its business.

     G.   A Material Adverse Change occurs in the financial condition of any
          member of the Bank Group or such member's ability to repay said
          party's obligations to Norwest. As used herein, "Material Adverse
          Change" means a material adverse change in the (i) the business,
          property, condition (financial or otherwise), results of operations,
          or prospects of such person or entity; (ii) the ability of such entity
          to perform its obligations in favor of Norwest; or (iii) the
          enforceability of any of Norwest's rights or remedies under this
          Agreement and the documents referenced herein.

Upon the occurrence of one or more of the foregoing Events of Default, Norwest
may, by notice in writing to the Borrower, declare all indebtedness under the
Note to be due and payable, whereupon all such indebtedness shall immediately
become due and payable. Upon the occurrence of any Event of Default under
paragraph (E) and (F) above, all indebtedness under the Note shall immediately
become due and payable, without notice or demand. The remedies described herein
are not intended to be exclusive and shall be read cumulatively with all other
rights and remedies available to Norwest under this Agreement, by other
contract, at law or in equity.

13. Documentation. All documentation and financial reporting to be delivered to
Norwest in connection with this Agreement shall be in form and content
acceptable to Norwest.

14. Collection Expenses. In the event the Borrower fails to pay Norwest any
amounts due under this Agreement or the Note, the Borrower shall pay all costs
of collection, including reasonable attorneys' fees and legal expenses incurred
by Norwest.

15. Entire Agreement. This Agreement and the documents referred to herein
constitute the entire agreement between the parties, and may be amended only by
a writing signed on behalf of each party.

16. Rights of Setoff. The Borrower, by signing below, agrees that if all or any
part of the Line (or any extension or renewal thereof) is not paid when due,
Norwest may, without notice to the Borrower or without further action, offset
any and all unrestricted deposits (including unmatured time deposits) of the
Borrower maintained at Norwest against the unpaid principal balance and accrued
and unpaid interest due and owing on the Line (or any extension or renewal
thereof).

17. Reliance. This Agreement is addressed to the Borrower only and is not to be
relied upon in any manner by other persons or entities.

<page>

United Financial Corp.
November 17, 2002
Page 7

18. Applicable Law. This Agreement and the documents executed in connection
herewith shall be governed by the substantive laws of the State of Minnesota.

This Agreement is subject to no Material Adverse Change having occurred in the
financial condition of any member of the Bank Group and to no restrictive
changes in governmental, regulatory or monetary policies having occurred.

If the terms and conditions set forth in this Agreement are acceptable to you,
please sign in the space indicated below and return this Agreement, plus
executed originals of the accompanying documents, to the undersigned on or
before November 30, 1999.

                                       Very truly yours,

                                       /s/ Michael E. Bodeen
                                       -----------------------------------------
                                       Michael E. Bodeen
                                       Vice President

ACCEPTANCE:

The undersigned hereby accepts and agrees to be bound by the terms and
conditions of this Agreement.

UNITED FINANCIAL CORP.

By: /s/ Kurt R. Weise
   -------------------------------
   Its: President

Dated: November 18, 1999

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00044-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00044-of-00352.parquet"}]]