Welcome to Uniti Bank

March 11, 2010

Basic Checking	This is a non-interest bearing checking account with unlimited check writing privileges. Statements are generated monthly. • Minimum opening deposit: $100.00 • Service Charge: $5.00 per month plus $0.50 per debit item in excess of 20 checks.
Standard Checking	This is a non-interest bearing checking account designed for depositors carrying larger balances. • Minimum opening deposit: $100.00 • Monthly charge will be waived for a minimum balance of $500.00 or average monthly balance of over $1,000.00. Otherwise, the service charge will be $8.00 per month plus $0.25 per debit item.
Senior Checking	For seniors, age 65 or older, no monthly service charge and minimum opening deposit of $100 will be applied.
Interest Plus Checking	This account will pay interest daily while allowing the depositor unlimited access to the account by checks or ATM. This account is available to individuals, sole proprietorships, and non-profit organizations only. • Interest is paid on the minimum daily collected balance. Interest will be compounded daily and credited on the statement cycle date. Account closed prior to that date will have all the interest earned for that cycle forfeited. Interest rates may change daily and may be tiered on the basis of balances; usually higher interest rates are applied to higher balances. • Please ask a Bank representative for current interest rates. • Minimum opening deposit: $1,000 • Service Charge: $8.00 per month plus $0.25 per check if the average monthly balance for any statement cycle falls below $5,000 or the daily balance below $2,500.

Money Market Savings	This account will pay interest daily while allowing the depositor limited access to the account. Only six pre-authorized transfers (including telephone) may be made per statement cycle. Three of these may be checks to third parties. Excessive transaction will be charged a $10.00 fee and account may be closed. • Interest is paid on the minimum daily collected balance. It is compounded daily and credited monthly on the statement cycle date. Accounts closed prior to that date will have all interest earned for that cycle forfeited. Interest rate may change daily and may be tiered on the basis of balances; usually higher interest rates are applied to higher balances. • Minimum opening deposit: $1,000.00 • Service Charge: $8.00 per month if average collected balance for any statement cycle falls below $2,500.00.
Regular Savings	This is a limited transaction interest bearing saving account. Saving passbook may be available upon depositor's request. Interest rate may change daily. • Interest will be accrued and compounded daily, and credited quarterly. Statements are generated quarterly too. Accounts closed prior to the interest credit date will have all the interest earned for that cycle forfeited. • Only six pre-authorized withdrawals or transfers (including telephone) may be made per month. Pre-authorized transaction in excess of six will be assessed a $10.00 fee each and the account may be closed. • Minimum opening deposit: $100.00 • Service Charge: $5.00 per month if minimum daily balance falls below $500.00, plus $0.50 per withdrawal over 3 per month.
Certificates of Deposit	Uniti Bank's Certificates of Deposit allow you to maximize investment return on your money while enjoying the security of FDIC insurance. Uniti Bank will determine the interest rate for each CD based on the amount and maturity. Interest will be compounded daily and may be paid as the depositor wishes. • Minimum Opening Balance: $1,000.00 • Terms: Any terms between 30 days and 2 years shall be set at the time of opening. Early withdrawal will be subject to penalties. • Please call a Bank representative for applicable rate and penalty information.
Uniti Installment Savings	This program lets you accumulate your wealth by depositing equal monthly installments for up to 3 years at a higher interest rate. Monthly installment deposit amounts are calculated to meet the target amount at the target date. Please refer to the attached table for detailed terms and conditions.