Consumer Statement Savings Account
Children's Savings Account

• Rate Information: Your interest rate and annual percentage yield may change. Ask a Personal Banker for current interest rates and annual percentage yields.
• Frequency of rate changes/Determination of rate: At our discretion, we may change the interest rate on your account at any time.
• Compounding and crediting frequency: Interest will be compounded monthly. 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 Deposit to open the account: You must deposit $200.00 to open this account.
• Minimum Balance to avoid imposition of fees: A monthly Maintenance fee of $2.00 will be imposed every month if the balance falls below $200.00 on any day of the month or if an average quarterly balance of $1000.000 is not maintained.
• Minimum Balance to obtain the annual percentage yield disclosed: No minimum balance is required.
• 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 on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: Transfers from a Statement Savings Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle.
• Fees: A per item fee of $1.00 will be charged for each withdrawal in excess of six per month. A per transaction fee of $15.00 will be charged for each excessive preauthorized, automatic, and/or telephone transfer in excess of 6 during a month.

• NOTE: Upon the account holder reaching the age of 18, this account will be reclassified as a Statement Savings Account and be subject to those minimum balance and transactoin requirements.
• Rate Information: Your interest rate and annual percentage yield may change. Ask a Personal Banker for current interest rates and annual percentage yields.
• Frequency of rate changes/Determination of rate: At our discretion, we may change the interest rate on your account at any time.
• Compounding and crediting frequency: Interest will be compounded monthly. 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 Deposit to open the account: You must deposit $1.00 to open this account.
• Minimum Balance to avoid imposition of fees: No minimum balance is required.
• Minimum Balance to obtain the annual percentage yield disclosed: No minimum balance is required.
• 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 on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: Transfers from a Statement Savings Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle.
• Fees: A per item fee of $1.00 will be charged for each withdrawal in excess of six per month. A per transaction fee of $15.00 will be charged for each excessive preauthorized, automatic, and/or telephone transfer in excess of 6 during a month.