"Couples Banking Program" includes a free checking account, a savings account and various loan rebates. For additional information on the free checking account and loan rebates, please refer to the "SmartOne Free CheckingTM Account" product brochure. For more information about the benefits of the savings account, please refer to the "United Advantage Savings Plan" product brochure, "Consumer Account Agreement and Disclosures", "Supplemental Terms and Conditions" and "Fee Schedule for Consumer Accounts". Must set up a scheduled transfer from the SmartOne Free CheckingTM Account into the United Advantage Savings Plan. Please refer to the "Couples Banking Program Addendum" for details. 2. The $25 cash bonus will be credited directly into your "SmartOne Free CheckingTM Account" at account opening to offset the minimum account opening balance. The Bank will report $25 for the cost of the cash bonus to the IRS as taxable income.