Estate planning options at United Community

A beneficiary cannot withdraw until every person who created the account has died, and only a beneficiary then living takes. Two or more surviving beneficiaries own the account in equal shares, without right of survivorship.¹

The person or persons who create the account may change beneficiaries, change account types, and withdraw all or part of the funds at any time.¹

A beneficiary cannot withdraw until every person who created the account has died, and only a beneficiary then living takes. Two or more surviving beneficiaries own the account in equal shares, without right of survivorship.²

The person or persons who create the account may change beneficiaries, change account types, and withdraw all or part of the funds at any time.²

A beneficiary cannot withdraw until every person who created the account has died, and only a beneficiary then living takes.³

United Community reserves the right to refuse some forms of ownership and beneficiary designations unless otherwise prohibited by law.⁴

Ownership passes to the pay-on-death beneficiaries at the death of the last surviving owner and is not part of that owner's estate.⁴

Ownership passes to the pay-on-death beneficiaries at the death of the last surviving owner and is not part of that owner's estate.⁵

Ownership passes to the pay-on-death beneficiaries at the death of the last surviving owner and is not part of that owner's estate.⁶

An account may be opened and maintained by a person or persons named as a trustee under a written trust agreement.^{1, 4, 5, 3, 6, 2}

By opening the account the bank does not act as trustee and undertakes no obligation to monitor or enforce the terms of the trust.^{1, 4, 5, 3, 6, 2}

The "Revocable Trust or Pay-on-Death Account" is owned by the person or persons who create it, with the named beneficiaries entitled only after all of them die.¹

The "Revocable Trust or Pay-on-Death Account" is owned by the person or persons who create it, with the named beneficiaries entitled only after all of them die.²

Fiduciary services, including trust administration and estate settlement⁷