United Orient Bank


	CERTIFICATES OF DEPOSIT United Orient Bank offers line of certificates of deposits with maturities ranging from 1 month up to 2 years. Time Certificates of Deposits under 1 year Interest is not compounded and not credited to your account until maturity. Time Certificates of Deposits 1 year and Over Interest is compounded and credited to your account semi-annually. Minimum deposit to open account is $500 for all CDs except one month which require an initial deposit of $2,500. Interest rate is fixed over the term of the certificate of deposit. See Rates table for CDs See Rates table for IRAs Annual Percentage Yield quoted assumes that all interest earned is credited to your original balance and that the balance will remain on deposit for a one year period. Significant penalties may apply for early withdrawals. In addition, special rates for Jumbo (over $100,000) CDs are occasionally given. Please contact us for more information.	Identification Program as required by the USA Patriot Act IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask you to see your driver's license or other identifying documents. In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country.
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