Kid Savings Disclosure

Description - A savings account for children under the age of 18. A custodian will be required to open account.

Rate Information - Your interest rate and annual percentage yield may change.
Determination of rate and frequency of change - Rates are determined at the discretion of bank management. We may change the interest rate on your account at any time.

Compounding and crediting frequency - Interest is compounded daily and credited to your account at the end of each quarter.

Daily collected balance computation method - We use the daily collected balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example checks). If the account is closed before interest is credited, you will not receive the accrued interest.

Limitations - You may make six transfers from this account each four week or similar period, if by automatic transfer, telephone, debit card or similar order (POS transactions). Transfers and withdrawals made in person, by mail or at an ATM are unlimited.