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Underwriting: The process by which the insurance company determines that you are an insurable risk. Most insurance policies require underwriting of some sort, such as a medical exam or a medical questionnaire.

Unified Credit: A credit available to every individual and applied against both gift and estate taxes.

Uniform Residential Appraisal Report (URAR): A standard form for reporting the appraisal of a dwelling. This form is required for use by the major secondary mortgage purchasers. It provides numerous checklists and appropriate definitions and certifications that are printed on the form.

Unit Agreement: A negotiated formula whereby each owner of an interest in a unit is entitled to receive his proportionate share of total unit production as defined by the agreement.

Unit: A combination of multiple leases operated as a single entity by a single operator.

User ID: Your User ID identifies you when you login to AccountLink Online Banking.