This disclosure contains the rules which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the current date.

Rate Information - The interest rate and annual percentage yield for your account depends on the applicable rate tier. Your interest rate and annual percentage yield may change at our discretion.

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Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Fees:
A club NOW fee of $5.00 for the Basic Club benefits or $7.00 for the Family Club benefits, depending on the plan you chose, will be charged monthly to those accounts electing to add insurance coverage. Senior Citizens, 62 and over with direct deposit, receive a 50%. discount.