**TRUTH-IN-SAVINGS DISCLOSURE**

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**REGULAR CHECKING ACCOUNT**

**Minimum balance to open the account – **You must deposit $100.00 to open this account

**Minimum balance to avoid imposition of fees – **A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.

**SAVINGS ACCOUNT**

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**Rate information – **Your interest rate and annual percentage yield may change.

**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 and credited to your account every quarter for each day the balance is $500.00 or greater.

**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 $100.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed – **You must maintain a minimum balance of $500.00, $5,000.00 or $10,000.00 in the account each day to obtain the disclosed annual percentage yield for that tier.

**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 that the balance is $500.00 or greater. Interest accrues until the day the funds are withdrawn.

**Accrual of interest on noncash deposits – **Interest begins to accrue on the business day you deposit noncash items (for example, checks) each day the balance is $500.00 or greater.

**Transaction limitations:**

Transfers from a Savings account to another account or to third parties by telephone transfer and in-person withdrawals are limited to three per month with no transfers by check, debit card, or similar order to third parties.

**Fees:**

An excessive item fee of $1.00 will be charged for each withdrawal in excess of three during a calendar month.

An account with a balance of $49.99 or less that has no activity during a quarter has a service charge of $1.00. After six months with no activity, the service charge will be replaced with a dormant fee of $5.00.

**SUPER SAVER ACCOUNT**

**Rate Information – **Your interest rate and annual percentage yield may change.

**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 and credited to your account every statement cycle for each day the balance is $2,500.00 or greater.

**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 $2,500.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed – **You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

**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 that the balance is $2,500.00 or greater. Interest accrues until the day the funds are withdrawn.

**Accrual of interest on noncash deposits – **Interest begins to accrue on the business day you deposit noncash items (for example, checks) each day the balance is $2,500.00 or greater.

**Transactions limitations:**

Transfers from a Super Saver account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle.

**Fees:**

An excessive item fee of $20.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a monthly statement cycle. If the balance is below $2,500.00 with no activity within 182 days there is a dormant account fee of $5.00 each statement cycle.

**REGULAR NOW ACCOUNT**

**Rate information – **Your interest rate and annual percentage yield may change.

**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 and credited to your account every statement cycle for each day the balance is $500.00 or greater.

**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 $500.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed – **You must maintain a minimum balance of $500.00, $5,000.00 or $10,000.00 in the account each day to obtain the disclosed annual percentage yield for that tier.

**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 that the balance is $500.00 or greater. Interest accrues until the day the funds are withdrawn.

**Accrual of interest on noncash deposits – **Interest begins to accrue on the business day you deposit noncash items (for example, checks) each day that the balance is $500.00 or greater.

**Fees – **If the balance is below $500.00 with no activity within 182 days there is a dormant account fee of $5.00 each statement cycle.

**SUPER NOW ACCOUNT**

**Rate information – **Your interest rate and annual percentage yield may change.

**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 and credited to your account every statement cycle for each day the balance is $1,500.00 or greater.

**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 $1,500.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed – **You must maintain a minimum balance of $1,500.00, $5,000.00, $10,000.00 or $25,000.00 in the account each day to obtain the disclosed annual percentage yield for that tier.

**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 the balance is $1,500.00 or greater. Interest accrues until the day the funds are withdrawn.

**Accrual of interest on noncash deposits – **Interest begins to accrue on the business day you deposit noncash items (for example, checks) each day the balance is $1,500.00 or greater.

**Fees:**

A service charge of $.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 25 during a monthly statement cycle. If the balance is below $1,500.00 with no activity within 182 days there is a dormant account fee of $5.00 each statement cycle.

**MONEY MARKET GOLD ACCOUNT**

**Rate information – **Your interest rate and annual percentage yield may change.

**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 and credited to your account every statement cycle for each day the balance is $2,500.00 or greater.

**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 $2,500.00 to open this account.

**Minimum balance to obtain the annual percentage yield disclosed – **You must maintain a minimum balance of $2,500.00, $10,000.00, $25,000.00, $50,000.00 or $100,000.00 in the account each day to obtain the disclosed annual percentage yield for that tier.

**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 the balance is $2,500.00 or greater. Interest accrues until the day the funds are withdrawn.

**Accrual of interest on noncash deposits – **Interest begins to accrue on the business day you deposit noncash items (for example, checks) each day the balance is $2,500.00 or greater.

**Transaction limitations:**

Transfers from a Money Market Gold account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle.

**Fees:**

A service charge fee of $5.00 will be charged each statement cycle.

An excessive item fee of $1.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a monthly statement cycle.