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Disclosures

State Club Disclosure

Rate Information - At our discretion, we may change the interest rate for this account. The interest rate and annual percentage yield may change at any time.

 

Minimum Balance - No minimum balance to open or avoid fees

 

Compounding Frequency - Interest will be compounded monthly.

 

Crediting Frequency - Interest will be credited into this account monthly.

 

Daily Balance Computation Method - Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

 

Accrual of Interest on Non-cash Deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Deposit Limitations - You may make an unlimited number of deposits into your account.

 

Fees & Charges - The following fees and charges apply to this account:

· $6.00 service charge/monthly fee

· $8.00 service charge/monthly fee to get images of checks

Please balance your statement within 10 days of receiving it. In the event of an error bring it to our attention immediately by contacting our bookkeeping department.

Please notify us if checks are lost or stolen. A stop payment order is $25.00. Your stop payment is good for 6 months and must be signed within 14 business days from the date the request was made.

*In the event your account becomes overdrawn, your checks may be returned. A $26.00 overdraft/NSF charge per item will be assessed with a daily maximum of $104.00.

Frequent overdrafts will result in a checking account being closed.

Deposits made after 3:00p.m. will be credited to your account by the close of the next business day.

Fees For Other Services

* In compliance with Truth In Savings Regulations

CareFree Checking Disclosure

Deposit limitations - There is not minimum deposit required to open the account. You may make an unlimed number of deposits into your account.

Additional Terms - The following additional terms apply to this account:

· Unlimited checkwriting

· Debit/ATM card annual fee $15.00

· $2.00 Monthly check image charge (if requested)

Please notify us immediately if any checks are lost or stolen.
The charge for a stop payment order is $25.00. Your stop payment is good for 6 months. Your stop payment request must be signed within 14 days from the date the request was made.

*In the event your account becomes overdrawn, your checks may be returned. A $26.00 overdrawn/NSF charge per item will be assessed with a daily maximum of $104.

A consecutive overdraft charge of $6.00 (after 5 consecutive business days overdrawn). Fee continues every conseuctive business day the account is overdrawn.

Check Printing Fees may vary

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

Fees For Other Services

*In compliance with Truth In Savings Regulations

Now Account Disclosure

Rate Information - The Interest Rate on our account is .050% with an Annual Percentage Yield of .05%. At our discration, we may change the interest rate for this account. The interest rate and annual percentage yield may change at any time.

 

Compounding Frequency - Interest will be compounded monthly.

 

Crediting Frequency - Interest will be credited into this account monthly.

 

Daily Balance Computation Method - Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

 

Accrual of Interest on Non-cash Deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account.

 

Minimum Balance - $175.00 minimum balance to open account. There is a $5.00 service charge if your balance falls below the $175.00 minimum balance any day of the month. Also, you will be charged $0.15 service charge debit/charge for each debit if your balance falls below the $175.00 minimum balance any day of the statement cycle.

 

Deposit Limitations - You may make an unlimited number of deposits into your account.

Please notify us if checks are lost or stolen. A stop payment order is $25.00. Your stop payment is good for 6 months and must be signed within 14 business days from the date the request was made.

*In the event your account becomes overdrawn, your checks may be returned. A $26.00 overdraft/NSF charge per item will be assessed with a daily maximum of $104.00.

A consecutive Overdraft charge of $6.00 (after 5 consecutive days overdrawn). Fees continues every consecutive business day the account is overdrawn.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

Fees For Other Services

* In compliance with Truth In Savings Regulations

Money Market Account Disclosure

Rate Information - The Interest Rate on your account is .050% with an Annual Percentage Yield of .05%. At our discretion, we may change the interest rate for this account. The interest rate and annual percentage yield may change at any time.

 

Compounding Frequency - Interest will be compounded monthly.

 

Crediting Frequency - Interest will be credited into this account monthly.

 

Daily Balance Computation Method - Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

 

Accrual of Interest on Non-cash Deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account.

 

Minimum Balance- $1,000.00 minimum balance to open account. There is a $5.00 service charge if your balance falls below the $1,000.00 minimum balance any day of the statement cycle.

 

Deposit Limitations - You may make an unlimited number of deposits into your account.

 

Limitations on frequency of transfers - You may not make more that six (6) transfers and withdrawals from your account per month by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties.

Please notify us if checks are lost or stolen. A stop payment order is $25.00. Your stop payment is good for 6 months and must be signed within 14 business days from the date the request was made.

In the event your account becomes overdrawn, your checks may be returned. A $26.00 overdraft/NSF charge per item will be assessed with a daily maximum of $104.00.

A consecutive Overdraft Charge of $6.00 (after 5 consecutive business days overdrawn). Fee continues every consecutive business day the account is overdrawn.

Check printing fees may vary.

Deposits after 3:00 p.m. will be credited to your account by the close of the next business day.

Fees For Other Services

* In compliance with Truth In Savings Regulations

High Yield Money Market Account Disclosure

Rate Information - The Interest Rate on your account is 1.050% with an Annual Percentage Yield of 1.06%. At our discration, we may change the interest rate on your account. The interest rate and annual percentage yield may change at any time.

 

Compounding Frequency - Interest will be compounded monthly.

 

Crediting Frequency - Interest will be credited into this account monthly.

 

Daily Balance Computation Method - We use the average daily balance method to calculate the interest on your account. The average daily balance method applies a periodic rate to the average daily balance in the account for the statement period. The average daily balance is calculated by adding the principal in the account fo each day of the statement period and dividing that figure by the number of days in the statement period.

 

Accrual of Interest on Non-cash Deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account.

 

Minimum Balance- $25,000.00 minimum balance to open and to avoid fees. There is a $10.00 service charge if your balance falls below the $25,000.00 minimum balance and day of the statement cycle.

The Interest Rate on your account is 1.05%, with an Annual Percentage Yield of 1.06%, as long as your average daily balance for the statement cycle is 25,000.00 or more.

The average daily balance for the statement cycle is less than the $25,000.00 minimum, the entiere balance in the account will earn an Interest Rate of 0.05%, with an Annual Percentage Yield of 0.05%.

Deposit Limitations - You may make an unlimited number of deposits into your account.

 

Limitations on frequency of transfers - You may not make more that six (6) transfers and withdrawals from your account per month by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties.

Please notify us if checks are lost or stolen. A stop payment order is $25.00. Your stop payment is good for 6 months and must be signed within 14 business days from the date the request was made.

*In the event your account becomes overdrawn, your checks may be returned. A $26.00 overdraft/NSF charge per item will be assessed with a daily maximum of $104.00.

A consecutive Overdraft Cahrege of $6.00 (after 5 consecutive days overdrawn). Fee continues every consecutive business day the account is overdrawn.

Check prining fees may vary.

Deposits after 3:00 p.m. will be credited to your account by the close of the next business day.

Fees For Other Services

* In compliance with Truth In Savings Regulations

Savings Account Disclosure

Rate Information - At our discretion, we may change the interest rate for this account.

The interest rate and annual percentage yield may change at any time.

 

Compounding Frequency - Interest will be compounded quarterly.

 

Crediting Frequency - Interest will be credited into this account quarterly.

 

Daily Balance Computation Method - Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

 

Accrual of Interest on Non-cash Deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

 

Minimum balance - $90 minimum balance to open and to avoid fees. There is a $1 monthly service charge if your balance falls below the $90 minimum balance

 

Deposit limitations - You may make an unlimited number of deposits into your account.

 

Limitations on frequency of transfers - During any statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfers may be made by check, draft, or similar order to a third party. If you exceed 6 debits during any statement cycle your account will be charged 25¢ for each debit in excess of 6.

Additional Terms - The following additional terms apply to this account:

· Trust accounts and those belonging to minors under the age of eighteen are exempt from charges.

Frequent overdrafts will result in a savings account being closed.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

* In compliance with Truth In Savings Regulations

Christmas Club Savings Account Disclosure

Rate Information - At our discretion, we may change the interest rate for this account.

The interest rate and annual percentage yield may change at any time.

 

Compounding Frequency - Interest will be compounded daily.

 

Crediting Frequency - Interest will be credited into this account when the check is issued in October.

 

Daily Balance Computation Method - Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

 

Accrual of Interest on Non-cash Deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

 

Deposit Limitations - You may make an unlimited number of deposits into your account.

 

Additional Terms - The following additional terms apply to this account:

· No withdrawals are allowed on this account.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

* In compliance with Truth In Savings Regulations

Certificate of Deposit Disclosure

Rate information - The interest rate along with the annual percentage yield will vary depending on the term you choose. You will be paid the rate until the maturity.

 

Compounding frequency - Interest will be compounded quarterly unless withdrawn or credited out of this account.

 

Crediting frequency - No withdrawals of interest are required. Our general policy is to credit interest into this account quarterly, but you may choose to have the interest credited quarterly into an account of yours.

 

Early withdrawals - If you withdraw any principal before maturity date, a penalty equal to 3 months interest will be applied to any certificate with an original maturity of more than one year.

 

Withdrawal of interest prior to maturity - The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings.

 

Automatically renewable account - Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar day(s) after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period, if any).

 

Final maturity - If your account is not renewed, the funds in your account will be placed in an interest-bearing account.

 

Daily balance computation method - Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

 

Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

 

Deposit limitations - After the account is opened, you may not make any deposits.

 

Withdrawal limitations - You may not make withdrawals of principal from your account before maturity. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest anytime during the term after it is credited to your account.

 

* In compliance with Truth In Savings Regulations

Business Checking Account Disclosure

Credit offset - This account features an earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit.

The earnings credit will be set at 3 points below the Prime Rate. At any time and at our discretion, the periodic earnings credit rate may change.

You do not need to maintain any minimum average daily balance during the monthly statement cycle in order to receive the credit.

Earnings credit begins to accrue on the business day you deposit noncash items (for example, checks).

 

Deposit limitations - You may make an unlimited number of deposits into your account.

 

Fees & Charges - The following fees and charges apply to this account:

· $5.00 service charge per month

· $0.17 for every check/debit on your statement

· $0.07 for checks deposited into your account

· $3.00 per check service charge for checks returned by another bank The combined total of the three fees shown above will be assessed as "Service Charge" on your monthly statement.

Please balance your statement within 10 days of receiving it. In the event of an error bring it to our attention immediately by contacting our bookkeeping department.

Please notify us if checks are lost or stolen. A stop payment order is $25.00. Your stop payment is good for 6 months and must be signed within 14 business days from the date the request was made.

An overdraft fee applies to overdrafts created by check, in-person withdrawal, or other electronic means.

*In the event your account becomes overdrawn, your checks may be returned. A $26.00 overdraft/NSF charge per item may be assessed with a daily maximum of $104.00.

Frequent overdrafts will result in a checking account being closed.

Deposits made after 3:00 p.m. will be credited to your account by the close of the next business day.

 

* In compliance with Truth In Savings Regulations

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