United Orient Bank

CHECKING ACCOUNTS

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.

BUSINESS CHECKING
Monthly Statement as of end of month

Competitively priced business transaction account. Low monthly maintenance and per item fees based on balances. Account receives a monthly earnings credit based on balances. Checks can be returned with monthly statement. United Orient Cash Card is available for business accounts. Business checking accounts are eligible for ACH debits and credits, payroll and bill payment.

UOB Business Checking Accounts with:

average monthly balance of $1,000.00 & above => No Maintenance Charge

average monthly balance under $1,000.00 => $10.00 Maintenance Charge Per Month

Transaction Charges
$0.15 per check paid
$0.15 per deposit
$0.08 per deposited check

Deposit off-set by $.75 per $1,000.00 average balance in credit allowance.

PERSONAL CHECKING
Monthly Statement as of 10th or 15th of month

United Orient Bank offers one of the lowest cost personal checking accounts:
United Orient Cash Card, providing access to ATMs across the country
UOB Personal Checking Accounts with:

average monthly balance of $100.00 & above => No Maintenance Charge, No Transaction Charge

average monthly balance under $100.00 => $7.00 Maintenance Charge Per Month, $0.10 Per Paid Check Per Month

NOW ACCOUNTS*
Monthly statement as of end of month

UOB NOW Accounts (Interest bearing):

with average monthly balance of $1,000.00 & above => No Maintenance Charge, No Transaction Charge

with average monthly balance under $1,000.00 => No Interest, $7.00 Maintenance Charge Per Month, $0.15 per check paid

*See Rates table for Interest/APY

MONEY MARKET*
Monthly statement as of 20th of month

UOB Money Market with:

average monthly balance of $500.00 & above => No Maintenance Charge, $10.00 for the 7th and each subsequent check paid

average monthly balance under $500.00 => No Interest, $5.00 Maintenance Charge Per Month, $10.00 For the 7th and each subsequent check paid

*See Rates table for Interest/APY

BASIC BANKING
Monthly statement as of 10th of month

New York State Basic Banking:

United Orient Bank also offers a New York State Basic Banking account that provides the following benefits:

Low monthly maintenance fees

No per check fees for the first 8 (or, for those aged 65 or over, 12) withdrawals per statement cycle*

* Automatic debits and ACH debits are included in this count.

UOB Basic Banking requires no minimum average monthly balance. An initial deposit of $25.00 is required to open the account, with a $3.00 monthly maintenance charge. A minimum balance of $0.01 is required to maintain the account.

First 8 (or, for those aged 65 or over, 12) withdrawals => No Charge
Thereafter => $0.10 charge for each withdrawal.