Account Types:  Savings Personal/Business Account

Variable Rate Information

• Call 979-732-2332 for current rates.

• Your interest rate and annual percentage yield may change.

• Determination of Rate: At our discretion, we may change the interest rate on your account.

• Frequency of Rate Change: We may change the interest rate on your account at any time.

• Limitations on Rate Changes: There are no maximum or minimum interest rate limits for this account

Compounding and Crediting

• Interest will be compounded monthly and will be credited to your account monthly.

• If you close your account before interest is credited, you will not receive the accrued interest.

Minimum Balance Requirements

• You must deposit $200.00 to open this account.

• A minimum balance Service Charge (maintenance fee) of $3.00 will be imposed every statement cycle if the balance falls below $200.00 any 1 day of the statement cycle.

• You must maintain a minimum daily balance of $200.00 in the account each day to obtain the disclosed annual percentage yield.

• You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

Processing Order

• All credit transactions are processed first

• Debits, or withdrawals, from your account will be processed in check number order

• All other items are processed smallest item first

Balance Computation Method

• We use the daily balance method to calculate interest on your account.

• This method applies a daily periodic rate to the principal in the account each day.

Accrual on Noncash Deposits

• Interest begins to accrue on the business day you receive credit for the deposit of noncash items (for example: checks).

Transaction Limitation

• You may make an two withdrawals from your account every statement cycle.

• A Service Charge (maintenance fee) of $5.00 will be imposed for each subsequent debit.

Current Rate Information

• The rate(s) and annual percentage yield(s) disclosed above were offered and accurate within the most recent seven calendar days.

• To obtain current rate and percentage yield information, please call 979-732-2332.