STATEMENT SAVINGS
Rate Information:  This account is an interest bearing account. Please ask for our current rates. The interest rate and annual percentage yield may change, at our discretion. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded and credited quarterly.
Balance Information:  We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations:  You must deposit $100.00 to open this account. You may make six (6) transfers from your account each four (4) weeks or similar period if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by draft, ATM card, Internet Banking transfers or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited (excess fee may be assessed).
Account Fees:  If withdrawals are in excess of eight (8) per calendar quarter, a $15.00 service charge fee will be assessed.


CHRISTMAS CLUB SAVINGS
Rate Information:  This account is an interest bearing account. Please ask for our current rates. The interest rate and annual percentage yield may change, at our discretion. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will not be compounded on the account. Interest will be credited to the account at maturity. If the account is closed before interest is credited, you will not receive the accrued interest. At the end of the club account period (September), the funds in the account will be mailed to you by check or transferred to an internal account of your choice.
Balance Information:  We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.
Limitations:  You may not make withdrawals from your account until the maturity date.


LITTLE ABE'S KIDS CLUB SAVINGS
Rate Information:  This account is an interest bearing account. Please ask for our current rates. The interest rate and annual percentage yield may change, at our discretion. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.
Balance Information:  We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Limitations:  You must deposit $10.00 to open this account. You may make six (6) transfers from your account each four (4) weeks or similar period.
Account Fees:  If withdrawals are in excess of eight (8) per calendar quarter, a $15.00 service charge fee will be assessed.


SAV DORMANT FEE
A Dormant Fee for the balance will be charged if balance is less than $25.00 and account has had no activity for 360 days.


ACCOUNT CLOSE FEE
If Account is opened and closed within 30 days, a $30.00 fee will be charged.