Christmas Club with Coupon Book Truth in Savings Disclosure

Interest Rate Information

• The interest rate and annual percentage yield is fixed until the maturity date, which is October 19, 2010. Click here for the current interest rate and annual percentage yield.

Compounding and Crediting of Interest

• Interest is not compounded on this account. Interest is credited to your account on the maturity date.
• If you close your account before interest is credited, you will not receive the accrued interest.

Accrual of Interest on Noncash Deposits

• Interest begins to accrue on the business day you deposit noncash items (for example, checks)

Minimum Balance Requirements

• You must deposit $5.00 to open this account.
• You must maintain a minimum balance of $5.00 in the account each day to obtain the disclosed annual percentage yield.

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.

Transaction Limitations

• The minimum amount you may deposit periodically is $5.00.
• You may make up to fifty (50) deposits into your account until the maturity date.
• You may not make withdrawals from your account until the maturity date.

Early Withdrawal Penalty

• We will impose a penalty if you withdraw any of the deposited funds before the maturity date. The penalty amount will equal all accrued interest plus $20.00.

Renewal Policy

• This account will not renew automatically at maturity. All account proceeds, including principal and interest, will be distributed on the maturity date. If the club payment is made via automatic deduction from another account, the payment will automatically resume after distribution of the proceeds.

Service Fees

• Replacement of club coupon book: $5.00.