Accounts	APY * / APR **	Interest Rate	Minimum to Open
Anytime Online Savings Account	0.25% *	0.25%	$1.00
Anytime Online Checking Account	0.10% *	0.10%	$100.00
Primary Online Business Savings	0.30% *	0.30%	$1.00
Primary Business Checking	NA	NA	$1.00
30 Year Fixed Rate Mortgage	3.83% **	3.75%	N/A

3 Reasons To Bank With UnivestDirect

(1) Univest Is Among The Strong Banks, Stable Banks, and Safe Banks In The U.S.A.

Since 1876, Univest Bank and Trust Co. (Univest -Member FDIC) has managed its business with conservative and prudent credit policies -growing overtime to become one of the strongest financial institutions in southeastern Pennsylvania. Our prudent approach to banking has allowed us to remain stable and profitable during this challenging economic environment.

(2) Competent And Personal Customer Service In Banking - 1.877.723.5571

Univest believes customers should be able to speak to a real person when you need to contact your bank. At Univest, you dial one number for all of your banking needs (1.877.723.5571) and you will be connected to a live service representative. Contact us to experience live, personal customer support. Learn more about UnivestDirect customer service.

(3) Complete Set of Online Banking Products and Services

At Univest, we do more than provide high-yield online checking and savings accounts. We provide you with a suite of online access tools to easily manage and access your funds. Learn more about how to open a bank account online with UnivestDirect.

Copyright 2012 - All rights reserved. Univest Bank and Trust Co.^SM 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 February 04, 2012 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