Anytime Online Savings Account       Anytime Online Checking Account        15-Month CD

Anytime Online Savings. Anytime Online Checking. Or a 15-Month CD. UnivestOne offers a complete suite of online deposit products to take care of all your personal banking needs.

Savings You Can Count On - Anytime Online Savings Account
At UnivestOne, we offer some of the greatest rates available for online banking and convenience. All with just one click. 

UnivestOne Interest Rates:
• 3.00% annual percentage yield (APY) effective May 5, 2008.
• 2.96% interest rate effective May 5, 2008.
• Interest is compounded daily and credited monthly.

UnivestOne Fees & Balance Requirements:
• $1.00 is required to open the savings account.
• $1.00 is the minimum balance required to earn interest.
• There are no monthly fees associated with this savings account.
• There are no fees related to a minimum balance requirement.

UnivestOne Savings Account Features:
• FREE Anytime Online Funds Transfers to other banks.
• Paper-free e-Statements.
• FREE Univest ATM card for ATM withdrawals and deposits.
• FREE withdraws at 32,000 nationwide Allpoint ATMs.
• Please read this product's full disclosure for complete information.
• FDIC insured.

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Checking With Interest - Anytime Online Checking Account
At UnivestOne we offer checking accounts with a great interest rate and added convenience.

UnivestOne Interest Rates:
• 1.75% annual percentage yield (APY) effective May 5, 2008.
• 1.74% interest rate effective May 5, 2008.
• Interest is compounded monthly and credited monthly.

UnivestOne Fees & Balance Requirements:
• $100.00 is required to open the account.
• $1.00 minimum balance required to earn interest.
• NO MONTHLY FEES.
• NO MINIMUM BALANCE REQUIREMENT.
• 120 paper checks are available for only $18.85.

UnivestOne Checking Account Features:
• MoneyManager protects against overdrafts with your Univest savings account.
• FREE Online Banking, Bill Pay, and Funds Transfers to other banks.
• $500.00 courtesy overdraft payment feature*.
• Only paper-free e-Statements are available with this account.
• FREE MasterMoney™ Debit Card for point of sale purchases.
• FREE withdraws at 32,000 nationwide Allpoint ATMs.
• Please read this product's full disclosure for complete information.
• FDIC insured account.

*Overdraft fees and insufficient funds fees still apply even though the items covered by overdraft courtesy are paid by Univest and are not returned.

New to online banking with UnivestOne? Learn how to open savings and checking accounts online at your local Univest branch, or visit our Frequently Asked Questions page for more information about banking with UnivestOne.

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15-Month Certificate of Deposit (CD)
Maximize your interest with a UnivestOne, 15-Month certificate of deposit (CD). Placing your money in a CD is a great way to earn high yields on money that you don’t need in the immediate future.

Interest Rates:   
• 3.30% annual percentage yield (APY).
• 3.25% interest rate.
• Compounded daily.
• Withdrawing interest reduces earnings.
• This account is available for personal deposits only.

Fees & Balance Requirements:
• $500 is needed to open an account.
• Penalties apply for early withdrawal.

Account Features:
• ONLY Paper statements are available for this account.
• FDIC insured.

Please read this product's full disclosure for complete information.

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Univest National Bank and Trust Co.
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