CHRISTMAS CLUB

Interest Rate & Annual Percentage Yield:
Rate currently offered. Interest is paid on a daily collected balance and compunded quarterly on balance retained in account. The Annual Percentage Yield assumes that interest will remain on deposit.

Interest Payment Options / Frequency:
Interest is credited quarterly. Must maintain balance of $25.00 to earn current rate. Interest paid on last day of month (March, June, September, December).

Minimum deposit requirement:
You must deposit $10.00 to open this account.

Fees:
There is no Service Charge on this account.

Deposits/withdrawals:
If any withdrawal is made from this account before club distribution date the this account may be closed.

Transaction Limitations:
If any withdrawal is made from this account before club distribution date this account may be closed.

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