VIP Club Account Truth in Savings Disclosure

Interest Rate Information
The interest rate and annual percentage yield are variable, and may change at the Bank's discretion any time without notice. The annual percentage yield assumes interest will remain on deposit until the payout date. Any withdrawal will reduce earnings. Please refer to the interest rate table for the current interest rate and annual percentage yield.

Compounding and Crediting of Interest
Interest is not compounded on this account. It is credited to your account on the payout 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, transfers into the VIP Club Account).

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 that may be automatically deposited into the account periodically is $5.00. Up to fifty-two (52) automatic deposits may be made into the account until the payout date. You may not make withdrawals from your account until the payout date.

Early Withdrawal Penalty
We will impose a penalty if you withdraw any of the deposited funds before the maturity date. The fee imposed will equal all accrued interest plus $20.00.

Renewal Policy
This account will renew automatically on the payout date, however, you have 10 calendar days after the payout date to withdraw funds without a penalty, change the deduction amount, and/or change the payout date. All account proceeds, including principal and interest, will be distributed on the payout date.