Personal BoD Conversion Book and Disclosure Packet

POWER SAVINGS ACCOUNT

Rate Information - The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change.

Frequency of rate changes - We may change the interest rate on your account daily. Determination of rate - At our discretion, we may change the interest rate on your account. Power Savings Rate Information: Power Rate Applies if Power Checking Rewards qualification requirements are met.

Base Interest Rate - Applies if Power Checking Rewards qualification requirements are not met . To obtain the Power Rate tiers, each Power Savings must be linked to a Power Checking account and the Power Checking account must meet the Power Checking qualifications during each monthly statement cycle. Compounding and crediting frequency - Interest will be compounded monthly. Interest will be credited to your account each monthly statement cycle. Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest. Minimum balance to open the account - You must deposit $100.00 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 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). Fees: An activity service charge fee of $10.00 will be charged for withdrawals or transfers in excess of six (6) during a monthly statement cycle. Additional information: Power Checking ATM refunds will post directly to Power Savings when requirements have been met. Interest credited to your Power Checking each monthly statement cycle will transfer to the Power Savings the following business day. Tier 1 - $0 - 25,000 If your daily balance is $25,000.00 or less, the interest rate paid will be on the entire balance. Tier 2 - Greater than $25,000.00 An interest rate will be paid only for that portion of your daily balance that is greater than $25,000.00. The annual percentage yield will range depending on the balance in the account Rate Information -Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account daily. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded monthly. Interest will be credited to your account every monthly statement cycle. Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest. Minimum balance to open the account - You must deposit $100.00 to open this account. Minimum balance to avoid imposition of fees - A monthly service charge fee of $2.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 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). Fees: An activity service charge fee of $10.00 will be charged for withdrawals or transfers in excess of six (6) during a monthly statement cycle. Additional information: Paper Stmt (Statement) non-image available at no fee. Paper Stmt (Statement) image not available. CONSUMER SAVINGS ACCOUNT The statement cycle ends on the 4th Wednesday of each month. Paper Stmt (Statement) non-image or image available at no fee.