Personal BoD Conversion Book and Disclosure Packet

CLUB ONE 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 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 $10.00 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). Additional information: Eligibility: Must be 17 years of age or younger to qualify for this account. This account will convert to a Consumer Savings account at the age of 18 and service fees will apply. Paper Stmt (Statement) non-image available at no fee. Paper Stmt (Statement) image not available.

MONEY MARKET 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. Compounding and crediting frequency - Interest will be compounded monthly. Interest will be credited to your account each monthly statement cycle.

Interest Rate Tiers:

$0.00 - $9,999.99 $10,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $249,999.99 $250,000.00+

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 $1,000.00 to open this account. Minimum balance to avoid imposition of fees - A monthly service charge fee of $8.00 will be imposed every monthly statement cycle if the balance in the account falls below $1,000.00 any day of the monthly statement 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 or image available at no fee. Electronic statements at no fee.