Truth in Savings Disclosure

The Peoples Community Bank
222 W. Commercial Street
Mazomanie, WI 53560

This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

Rates current as of: 11/12/2018

For current rate information call 1-800-795-2151.

SIMPLY GOOD CHECKING

Rate Information: This account is a non-interest bearing account.

Account Fees: Unlimited check writing with no per item fee.  MASTERCARD check card with no annual fee and no transaction fees (subject to credit approval). Unlimited ATM transactions at PCB and Money Pass terminals with no fee (does not cover surcharge fees assessed by ATM owner). $2.00 non-network ATM fee per withdrawal after first 2 non-network ATM withdrawals per statement cycle. $2.00 fee per Overdraft Sweep Transfer (OD/Sweep TRF) from Savings or Checking (Each sweep transaction counts toward one of the six electronic transfers allowed per statement cycle from a savings account). Online & Mobile Banking, Bill Pay, Text Banking, & Mobile Check Deposit included with account. E-statements included with account ($2.00 per paper statement). Expedited (next day) POP Money payments are available for a fee of $10.00 per item. Unlimited incoming Account to Account (A2A) transfers (Outgoing A2A transfers will incur a $2.00 charge per transfer). Paper statements are available for $2.00 per statement cycle.

Balance Information: There is no required minimum balance on this account.

Limitations: Overdraft fee applies to overdrafts created by checks, in-person withdrawals, telephone withdrawals, or ACH withdrawals.

PREMIUM CHECKING

Rate Information: The interest rate and Annual Percentage Yield (APY) are shown below.


Minimum Balance Interest Rate APY*
0 - $2,499.99 0.00% 0.00%
$2,500 - $24,999.99 0.05% 0.05%
$25,000 - $49,999.99 0.05% 0.05%
$50,000 and over 0.05% 0.05%

If your daily balance is $2,499.99 or less, the interest rate paid on the entire balance in your account will be .000% with an annual percentage yield of .00% If your daily balance is more than $2,499.99, but less than $25,000, the interest rate paid on the entire balance in your account will be .05% with an annual percentage yield of .05%. If your daily balance is more than $24,999.99, but less than $50,000, the interest rate paid on the entire balance in your account will be .05% with an annual percentage yield of .05% If your daily balance is $50,000.00 or more, the interest rate paid on the entire balance in your account will be .05% with an annual percentage yield of .05%

Balance Information: There is no required minimum balance on this account. The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day.

Account Fees: Unlimited check writing with no per item fee. MASTERCARD check card with no annual fee and no transaction fee (subject to credit approval). Unlimited ATM transactions at PCB and Money Pass terminals with no fee (does not cover surcharge fees assessed by ATM owner). $2.00 non-network ATM fee per withdrawal after first 2 non-network ATM withdrawals per statement cycle. $2.00 fee per Overdraft Sweep Transfer (OD/Sweep TRF) from Savings or Checking (Each sweep transaction counts toward one of the six electronic transfers allowed per statement cycle from a savings account). Check images are not returned with monthly statements. A flat service charge of $9.95 per month applies to this account. The flat service charge of $9.95 can be waived if a balance of $2,500 or greater is maintained throughout a statement cycle.

Limitations: Overdraft fee applies to overdrafts created by checks, in-person withdrawals, telephone withdrawals, or ACH withdrawals.

SMALL BUSINESS CHECKING

Rate: This account is a non-interest bearing account.

Balance Information: A minimum balance fee of $7.50 will be imposed every month if the daily balance in the account falls below $500.00 any day of the month.

Account Fees: No per item fee when the number of checks written per month does not exceed 150. Checks clearing in excess of 150 per month will be charged $.25 (25 cents) per item. Check images can be returned with monthly statement upon request. Check printing fee depends on style ordered.

Limitations: Debit/ATM cards can be issued on sole Proprietor accounts only. Overdraft fee applies to overdrafts created by checks, in-person withdrawals, telephone withdrawals, or ACH withdrawals.

TRADITIONAL SAVINGS

Rate Information: The interest rate on your account is .050% with an annual percentage yield of .05% The interest rate and annual percentage yield on your account may change at any time. Interest will be compounded and added to your account quarterly. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: To open this account, you must deposit at least $100.00. A minimum balance fee of $3.00 will be imposed every month if the daily balance in the account falls below $100.00 any day of the month. The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day.

Additional Fees: The $3.00 fee will not be assessed to seniors aged 60 or better, children under age 18, or full-time students under age 25. The fee for teller withdrawals, non-electronic withdrawals, in excess of 4 per month is $1.00 per withdrawal. This fee will be assessed at the time of the transaction. There is no fee and no limit on the number of electronic withdrawals per month (ATM, ACH).

Limitations: You may make 4 withdrawals from your account each month. A fee of $1.00 will be imposed for each subsequent withdrawal during such period. You may not make more than six (6) transfers and withdrawals from your account per month by means of a preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order payable to third parties.

MONEY MARKET

Rate Information: The interest rate and the Annual Percentage Yield (APY) are shown below.


Minimum Balance Interest Rate APY*
$0 - $2499 0.01% 0.01%
$2500 - $9,999 0.05% 0.05%
$10,000 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
$50,000 and over 0.15% 0.15%

The interest rate and the APY may change. At our discretion, we may change the interest rate on your account at any time.

If your daily balance is $2,499.99 or less, the interest rate paid on the entire balance in your account will be .010% with annual percentage yield of .01%. If your daily balance is more than $2,499.99 but less than $10,000.00, the interest rate paid on the entire balance in your account will be .05% with an annual percentage yield of .05%. If your daily balance is more than $9,999.99, but less than $25,000.00, the interest rate paid on the entire balance in your account will be .10% with an annual percentage yield of .10%. If your daily balance is more than $24,999.99, but less than $50,000.00, the interest rate paid on the entire balance in your account will be .15% with an annual percentage yield of .15%. If your daily balance is $50,000.00 or more, the interest rate paid on the entire balance in your account will be .15% with an annual percentage yield of .15%.

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

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest is compounded monthly and credited monthly.

Limitations: To open this account, you must deposit at least $2,500. You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed APY. You may make no more than six pre-authorized (or automatic) or telephone transfers, order or instruction or by check, draft, debit card or similar order payable to third parties.

11-Month Add-On No Penalty CD Special

Rate Information: The interest rate and the Annual Percentage Yield (APY) are shown below.

Minimum Balance Interest Rate APY*
$10,000.00 1.79% 1.80%

You will be paid this rate until maturity.  The APY assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest is compounded monthly and credited monthly.

Limitations: To open this account, you must deposit at least $10,000.00. This Certificate of Deposit will automatically renew for a 12-month term upon maturity at the 12 month fixed rate in effect at maturity and be subject to the 12-month Certificate of Deposit terms and provisions. There will be no penalty for early withdrawal prior to end of term. Minimum withdrawals of $5,000.00 allowed. A minimum balance of $5,000.00 applies after any withdrawal(s) or the account will be closed. At any time during the initial 11-month period of the Certificate of Deposit, you may make deposits to increase the principal balance in minimum amounts of $100.00. Interest may be withdrawn when credited. 

Raise Your Rate CD

Rate Information: The interest rate and the Annual Percentage Yield (APY) are shown below.

Minimum Balance Interest Rate APY*
$10,000.00 2.47% 2.50%

You will be paid this rate until maturity.  The APY assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest is compounded monthly and credited monthly.

Limitations: To open this account, you must deposit at least $10,000.00. This account will renew automatically at maturity. At this point you will have 10 calendar days after the maturity date to withdraw funds without a penalty. You may not make withdrawals of principal from your account until the maturity date. The early withdrawal penalty may invade principal. You may not make deposits into your account. Interest may be withdrawn when credited. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest.

Should the posted Annual Percentage Yield (APY) of the 24-month certificate of deposit increase and exceed the APY on this CD, you may elect to increase the APY on this certificate of deposit to the then current APY being paid on the 24-month, fixed-rate certificate of deposit.  Subsequent to your election to increase the APY, the new APY will apply to your account until maturity.  The bump-up feature is available once during the initial term of your Raise Your Rate CD.

COLLEGE SAVER CD

Rate Information: The interest rate and the Annual Percentage Yield (APY) are shown below.

Minimum Balance Interest Rate APY*
$250 1.70% 1.71%

You will be paid this rate until maturity.  The APY assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

The College Saver CD is available only to individuals age 25 and under.  Funds may be withdrawn without penalty, in full or in part; twice each calendar year after the student graduates from high school or turns 18 years old.

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest is compounded monthly and credited monthly.

Limitations: To open this account, you must deposit at least $250.00. This account will renew automatically at maturity. At this point you will have 10 calendar days after the maturity date to withdraw funds without a penalty. You may not make withdrawals of principal from your account until the maturity date. The early withdrawal penalty may invade principal. You may make unlimited deposits of at least $25.00 each into your account at any time. Interest may be withdrawn when credited. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 6 months interest.

Should the posted Annual Percentage Yield (APY) of the College Saver CD or the 3 Year CD increase and exceed the APY on this CD, you may elect to increase the APY on this certificate of deposit to the then current APY of the College Saver CD or the 3 year CD.  Subsequent to your election to increase the APY, the new APY will apply to your account until maturity.  The bump-up feature is available once during each subsequent term of your College Saver CD.

A depositor who attains age 25 has until June 15 of the next calendar year following his or her 25th birthday to withdraw all remaining funds from the College Saver CD.  Penalties for early withdrawal do not apply in such an instance.

6 MONTH CD

Rate Information: The interest rate on this account is 1.34% with an Annual Percentage Yield (APY) of 1.35%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 3 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

1 YEAR CD

Rate Information: The interest rate on this account is 1.83% with an Annual Percentage Yield (APY) of 1.85%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 3 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

1½ YEAR CD

Rate Information: The interest rate on this account is 1.93% with an Annual Percentage Yield (APY) of 1.95%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 6 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

2½ YEAR CD

Rate Information: The interest rate on this account is 2.13% with an Annual Percentage Yield (APY) of 2.15%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 6 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

3 YEAR CD

Rate Information: The interest rate on this account is 2.18% with an Annual Percentage Yield (APY) of 2.20%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 6 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

4 YEAR CD

Rate Information: The interest rate on this account is 2.28% with an Annual Percentage Yield (APY) of 2.30%. You will be paid this rate until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $500.00. You may not make withdrawals of principal from your account until the maturity date. You may not make deposits into your account. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 6 months interest. The early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

PRIME ADVANTAGE (1-YEAR)

Rate Information: The interest rate on this account is 2.00% with an Annual Percentage Yield (APY) of 2.02%. The interest rate on your account is based on the lowest prime rate of interest published in The Wall Street Journal Money Rates section minus a margin of 3.25 percentage points. We may change the interest rate on your account daily. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $10,000.00. You may not make withdrawals of principal from your account until the maturity date. You may make unlimited deposits of at least $100.00 each into your account at any time. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 90 days interest. Early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

PRIME ADVANTAGE PLUS (2½ Year)

Rate Information: The interest rate on this account is 2.25% with an Annual Percentage Yield (APY) of 2.27%. The interest rate on your account is based on the lowest prime rate of interest published in The Wall Street Journal Money Rates section minus a margin of 3.00 percentage points. We may change the interest rate on your account daily. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Balance Information: The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly.

Limitations: To open this account, you must deposit at least $10,000.00. You may not make withdrawals of principal from your account until the maturity date. You may make unlimited deposits of at least $100.00 each into your account at any time. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. Early withdrawal penalty may invade principal. Interest may be withdrawn when credited.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

IRA 1-YEAR FIXED

Rate Information: The interest rate on your account is 1.83% with an Annual Percentage Yield (APY) of 1.85%. You will be paid this amount until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 90 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

IRA 2-YEAR VARIABLE

Rate Information: The interest rate on your account is .25% with an Annual Percentage Yield (APY) of 0.25%. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. At our discretion, we may change the interest rate on this account. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

IRA 2-YEAR FIXED

Rate Information: The interest rate on your account is 2.08% with an Annual Percentage Yield (APY) of 2.10%. You will be paid this amount until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

IRA 4-YEAR VARIABLE

Rate Information: The interest rate on your account is .45% with an Annual Percentage Yield (APY) of .45%. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. At our discretion, we may change the interest rate on this account. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

IRA 4-YEAR FIXED

Rate Information: The interest rate on your account is 2.28% with an Annual Percentage Yield (APY) of 2.30%. You will be paid this amount until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

ROTH IRA 2-YEAR VARIABLE

Rate Information: The interest rate on your account is .25% with an Annual Percentage Yield (APY) of .25%. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. At our discretion, we may change the interest rate on this account. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

ROTH IRA 2-YEAR FIXED

Rate Information: The interest rate on your account is 2.08% with an Annual Percentage Yield (APY) of 2.10%. You will be paid this amount until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

ROTH IRA 4-YEAR VARIABLE

Rate Information: The interest rate on your account is .45% with an APY of .45%. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. At our discretion, we may change the interest rate on this account. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your variable rate IRA to the fixed variable rate product at any time during the term of your investment. This option can also be used to convert a fixed rate IRA to the current variable rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

ROTH IRA 4-YEAR FIXED

Rate Information: The interest rate on your account is 2.28% with an Annual Percentage Yield (APY) of 2.30%. You will be paid this amount until maturity. The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Information: We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited monthly and at maturity.

Limitations: There is a $500.00 minimum balance. You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date. A penalty will be imposed if you withdraw any of the principal before the maturity date. The penalty imposed will equal 180 days interest. The early withdrawal penalty may invade principal. Other early withdrawal penalties and rule on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code. Those penalties and rules are disclosed in the IRA documents provided to you by us. You have the option to change your fixed rate IRA to the current variable rate product at any time during the term of your investment. This option can also be used to convert a variable rate IRA to the current fixed rate product. This "Flex Option" may be used once during a term. Maturity date will not change when using Flex Option.

Unless we give you prior written notice, this account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty.

OTHER FEES
Overdrafts (each item) 34.00
Stop Payments 30.00
Return Items 34.00
Return Items (2nd or 3rd party) 34.00
PRA Annual Fee 52.50
Debit Card Annual Fee 20.00
ATM Card Annual Fee 20.00
Wire Transfers (Domestic) 25.00
Wire Transfers (International) 55.00
Statement Reprints (each statement) 2.00
Check Cashing (non-customer) 10.00
Garnishment Fee 35.00
Money Orders 5.00
Collection Items 35.00
Debit/Credit Card Replacement 10.00
Debit/Credit Card Replacement Expedited Charge 30.00