Disclosures

1. General Disclosures

NationUnityBank provides the following general disclosures to ensure transparency and regulatory compliance for all our banking services and products.

2. FDIC Insurance Coverage

Your deposits with NationUnityBank are protected by Federal Deposit Insurance Corporation (FDIC) insurance:

2.1 Coverage Limits

• $250,000 per depositor, per insured bank, for each account ownership category
• Separate coverage for different account types (individual, joint, retirement accounts)
• Additional coverage for certain trust accounts and business accounts
• Coverage applies automatically to all eligible deposit accounts

2.2 Covered Account Types

• Checking accounts
• Savings accounts
• Money market accounts
• Certificates of deposit (CDs)

2.3 Non-Covered Products

• Investment products (stocks, bonds, mutual funds)
• Insurance products
• Safe deposit box contents
• U.S. Treasury bills, bonds, or notes

3. Fee Disclosures

We believe in transparent pricing. All fees are disclosed at account opening and in your account agreements:

4. Interest Rate Information

Interest rates are variable and subject to change. Current rates are available on our website and at branch locations:

4.1 Deposit Account Rates

• Annual Percentage Yield (APY) calculations and compounding methods
• Minimum balance requirements for earning interest
• Rate tiers based on account balances
• Frequency of rate changes and notification procedures

4.2 Certificate of Deposit Rates

• Fixed rates for the term of the certificate
• Early withdrawal penalties and calculations
• Automatic renewal terms and conditions
• Grace period provisions for matured CDs

5. Credit Product Disclosures

Important information about our lending products and credit services:

5.1 Loan Disclosures

• Annual Percentage Rate (APR) calculations and terms
• Total cost of credit over the life of the loan
• Payment schedules and amount calculations
• Prepayment penalties and rights

5.2 Credit Card Disclosures

• Purchase APR, cash advance APR, and penalty APR
• Credit limit determination and increases
• Minimum payment calculations
• Fee structure including annual fees, late fees, and over-limit fees

5.3 Mortgage Disclosures

• Loan Estimate and Closing Disclosure forms
• Right of rescission for certain transactions
• Escrow account requirements and analysis
• Private mortgage insurance disclosures

6. Investment Risk Disclosures

Investment products offered through NationUnityBank involve various risks that customers should understand:

7. Regulatory Compliance

NationUnityBank complies with all applicable federal and state banking regulations:

7.1 Truth in Lending Act (TILA)

• Clear disclosure of credit terms and costs
• Right to cancel certain credit transactions
• Protection against unfair billing practices
• Requirements for credit card disclosures

7.2 Truth in Savings Act (TISA)

• Standardized disclosure of deposit account terms
• APY calculations and advertising requirements
• Fee disclosure and notification requirements
• Periodic statement requirements

7.3 Real Estate Settlement Procedures Act (RESPA)

• Good faith estimates for mortgage loans
• Disclosure of settlement costs and procedures
• Prohibition of kickbacks and referral fees
• Escrow account management requirements

8. Privacy Notices

Important information about how we handle your personal information:

8.1 Gramm-Leach-Bliley Act Notice

• Annual privacy notice delivery
• Opt-out rights for information sharing
• Categories of information collected and shared
• Security measures to protect your information

8.2 Fair Credit Reporting Act Notice

• Use of consumer reports for account decisions
• Rights regarding credit report accuracy
• Dispute procedures for credit reporting
• Identity theft prevention measures

9. Dispute Resolution

Information about resolving disputes and filing complaints:

10. Contact Information

For questions about these disclosures or to request additional information, please contact us: