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Personal Net Image Interest Checking

Rate information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

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

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $1,500.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily 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.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Personal Basic Money Market

Rate Information
The interest rate and annual percentage yield on your account may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account. The interest rate for your account will be paid on appropriate tier level provided the minimum tier balance is maintained. The initial interest rate on your account depends upon the applicable rate tier. See balance tier levels.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $2,500.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $15.00 will be imposed every monthly statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $2,500.00 in the account each day in order to obtain the disclosed annual percentage yield.

Daily 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.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations/Fees
Transfers from this account to another account or to third parties by preauthorized, automatic, telephone or computer transfer (including bill payments) are limited to six per month. An excess transfer fee of $15.00 per item applies if these limits are exceeded. If you exceed the above limitations your account may be transferred to a transaction account.

Additional fees may apply for other bank service, such as stop payments and wire transfers. Please refer to the Schedule of Fees and Charges for additional fee information.

Personal High Performance Money Market Checking

Rate Information
The interest rate and annual percentage yield on your account may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account. The interest rate for your account will be paid on appropriate tier level provided the minimum tier balance is maintained. The initial interest rate on your account depends upon the applicable rate tier. See balance tier levels.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $10,000.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $25.00 will be imposed every monthly statement cycle if the balance in the account falls below $10,000.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $10,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Daily balance computation method
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations/Fees
Transfers from this account to another account or to third parties by preauthorized, automatic, telephone or computer transfer (including bill payments) are limited to six per month. An excess transfer fee of $25.00 per item applies if these limits are exceeded. If you exceed the above limitations your account may be transferred to a transaction account.

Additional fees may apply for other bank service, such as stop payments and wire transfers. Please refer to the Schedule of Fees and Charges for additional fee information.

Personal Net Image Savings

Rate Information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

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

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $250.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $250.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $250.00 in the account each day to obtain the disclosed annual percentage yield.

Daily 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.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations
Transfers from a Personal Net Image Savings account to another account or to third parties by preauthorized, automatic, computer, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

If you exceed the above limitations your account may be transferred to a transaction account where funds no longer earn interest.

Fees
An excess transfer fee of $15.00 will be charged for each debit transaction in excess of six per monthly statement cycle.

Personal High Performance Money Market Savings

Rate Information
The interest rate and annual percentage yield on your account may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account. The interest rate for your account will be paid on appropriate tier level provided the minimum tier balance is maintained. The initial interest rate on your account depends upon the applicable rate tier. See balance tier levels.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account
You must deposit $25,000.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $25.00 will be imposed every monthly statement cycle if the balance in the account falls below $25,000.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum average daily balance of $25,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Daily balance computation method
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations/Fees
You are limited to six withdrawals and/or transfers from this account by preauthorized, telephone or computer transfer (including bill payments) per monthly statement cycle. An excess transfer fee of $25.00 per item applies if these limits are exceeded. If you exceed the above limitations your account may be transferred to a transaction account.

Additional fees may apply for other bank service, such as stop payments and wire transfers. Please refer to the Schedule of Fees and Charges for additional fee information.

Personal Certificate of Deposit

Rate Information
Your interest rate is fixed for the term. Interest will be paid until the maturity date of the certificate. The interest rate is based on the rate in effect at the time we receive the deposit. The disclosed annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Crediting frequency
Interest will be compounded daily. Interest will be credited to your account at maturity or paid according to the interest payment option you selected at time of account opening.

Minimum balance to open the account
You must deposit $1,000.00 to open a non-IRA account. A deposite of $100,000 or over qualifies this non-IRA CD account for a Jumbo rate. An IRA Certificate of Deposit requires a minimum opening deposit of $2,500.00.

Daily 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.

Accrual of interest on noncash deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations
You may not make deposits into your account before maturity if your account has a term of less than six months.

You may make three deposits into your account before maturity if your account has a term of six months or longer.

You may not make withdrawals of principal from your account before maturity.

In general, you cannot withdraw interest from your account before maturity. Interest can be withdrawn as often as monthly only if that distribution option is arranged at account opening.

Time requirements
Your account will mature on the maturity date of the certificate.

Effect of closing an account
If you close your account before interest is credited, you will not receive the accrued interest.

Early withdrawal penalties
(see additional disclosure for IRA Certificates of Deposit)
(a penalty may be imposed for withdrawals before maturity)

If your account has an original maturity of 90 days or less:
The fee we may impose will equal 30 days' interest on the amount withdrawn subject to penalty.

If your account has an original maturity of 91 days through one year:
The fee we may impose will equal 90 days' interest on the amount withdrawn subject to penalty.

If your account has an original maturity of more than one year:
The fee we may impose will equal 180 days' interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. The Bank may require, at its option, a certified copy of a court or administrative order in cases of incompetency for the waiver of an early withdrawal penalty. To waive the early withdrawal penalty due to disability, the Bank may, at its option, require a physician’s statement. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

IRAs: Withdrawals, Penalties and Fees

Withdrawals made prior to age 59½
These withdrawals may be subject to an IRS pre-mature distribution penalty and possible state taxes. Additionally, Bank early withdrawal penalties may apply.

Withdrawals made from age 59½ to 70½ years of age
Withdrawals are not subject to IRS pre-mature distribution penalty. These withdrawals are subject to ordinary income taxes and are reportable on form 1099R to the IRS. The Bank will allow one distribution per year with no penalty; all other distributions are subject to early withdrawal penalties.

Withdrawals made upon obtaining 70½ years of age
The IRS requires IRA owners to take minimum distributions each year starting with the year they turn age 70 ½ and are not subject to IRS pre-mature distribution penalties. These withdrawals are subject to ordinary income taxes and are reportable on form 1099R to the IRS. The Bank will waive the early withdrawal penalty on these distributions and will report such distributions on form 1099 to the IRS.

Fees
An annual custodial fee of $30.00 will be assessed if you keep a balance of less than $25,000.00 in your plan. A $50.00 custodial account transfer fee will be charged for all IRAs that transfer to another financial institution or close prior to maturity to cover custodial recordkeeping costs.

Automatically renewable time account
This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any). We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

You will have ten calendar days after maturity to withdraw the funds without a penalty.

Withdrawal Notice
We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

ChexSystems
All new accounts will be processed through ChexSystems. All accounts closed for cause will be reported to ChexSystems or similar reporting company.

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