3D CD

Deposit Accounts	APY * / APR **	Rate	Minimum to Open
Anytime Online Savings Account	0.75% *	0.75%	$1.00
Anytime Online Checking Account	0.25% *	0.25%	$100.00
Primary Online Business Savings	0.75% *	0.75%	$1.00
Primary Business Checking	NA	NA	$1.00
30 Year Fixed Rate Mortgage	4.59% **	4.50%	N/A

3D Certificate of Deposit (CD)

Summary

Maximize your interest with a Univest, 3D certificate of deposit (CD). Earn a guaranteed rate for each 12-month period at the time of opening. Explore the benefits of a fixed interest rate as it adjusts every 12 months.

Interest

0.75% annual percentage yield (APY) / 0.75% interest rate - year 1
1.15% annual percentage yield (APY) / 1.14% interest rate - year 2
1.75% annual percentage yield (APY) / 1.73% interest rate - year 3
Compound daily.
Rates are accurate as of July 29, 2010.
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. Be sure to read this product's full disclosure for complete information.

Account Features

You can withdrawal your full amount without penalty during a 10 day redemption period at every 12-month anniversary. No partial withdrawals allowed on Non-IRA 3D CDs.
ONLY paper statements are available for this account.
FDIC insured.

Copyright 2010 - All rights reserved. Univest National Bank and Trust Co. is Member FDIC | Equal Housing and Opportunity Lender

* Annual Percentage Yield - Checking and savings products are variable rate accounts, which means that the interest rate and APY may change at any time after the account is opened. Fees could reduce the earnings on these accounts. Rates are accurate as of July 29, 2010 and are subject to change at any time. The rates listed are for new accounts and can be opened online or at any of our convenient locations.

** Annual Percentage Rate