Interest Information**

Please request a Rate Sheet for the interest rates and annual percentage yields paid on these interest bearing accounts. The interest rates and annual percentage yields may change. At the Bank´s discretion, the Bank may change the interest rate and annual percentage yield daily. Interest begins to accrue on the business day you deposit non-cash items. (i.e. checks) Interest on your account will be compounded monthly and credited on your monthly statement. The Bank uses the daily balance method to calculate the interest on your account. Account fees may affect earnings.

Account Balance Computation Methods

The daily balance method applies a periodic rate to the full amount of principal in the account each day. The average daily balance method applies a periodic rate to the average balance in the account for the period. The average daily balance is calculated by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.

## Bonus Banking Information

These accounts have the ability to bump up to a "Bonus Banking" account that will give you added benefits at little cost. You will receive Free Bonus Checks, $100,000 Common Carrier Accidental Death Insurance, Travel & Entertainment Discounts off Local, State, and National vendors, Dining Savings, and Payment Card Protection/Personal ID Protection.

Please ask one of our Customer Service Representatives how you can start saving today!