| InvestmentONE Deposit Account |
| Investment One is a higher interest savings account for larger
balances, and offers the unique feature of check writing privileges.
The customer has total access to his or her account and there
are no restrictions on deposits or in-house withdrawals. Customers
may write up to three checks each monthly cycle.
Personalized checks are available, but not required, for
this account. For customers age 50 and older, free safety
paper checks will be provided. Checks must remain at United for safekeeping.
Disclosures will be provided at account opening.
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