2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender.

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1 2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender. OK CN 4000 Rev. 11/14

2 Personal and Business Checking and Savings Solutions

3 TABLE OF CONTENTS Personal Checking 02 Personal Savings 04 CD Options 06 QuickSave SM 08 Business Checking 10 Business Savings 12 Overdraft Solutions 14 Disclosures 16

4 Call our 24-Hour ExpressBank Tulsa Area (918) Oklahoma City Area (405) Outside These Areas (800) Stop by one of our many convenient banking locations. Visit us online at Follow us: twitter.com/bankofoklahoma 4

5 Welcome to Bank of Oklahoma. Do you remember your first piggy bank? Your first paycheck? Remember how hard you worked for that money? At Bank of Oklahoma, we do. That s why we offer products and services designed with you in mind to help you make the most of your money. We ll help you get more value, find more savings and provide you more convenient ways to access and manage your money. It s our commitment to you. Solutions to fit every need: Checking and Savings Accounts Home Improvement Business Solutions Together we ll work to stay focused on the big picture and a healthy financial future by providing you with personal attention and a wide array of convenient banking services, such as our Online Banking, Mobile Banking, and more than 400 free ATMs. In addition, be sure to visit our online Resource Center where you will always find valuable articles, tips and tools to help you make smart decisions about your money. We re happy to have you as our client and as part of our community. Long Live Your Money. 1

6 PERSONAL CHECKING We offer a full range of checking accounts to serve your every need. BASIC CHECKING CHOICE CHECKING Account Features Online and Mobile Banking Online and Mobile BillPay Simplified account with unlimited check writing for a small monthly fee $3.95 per month 15 free transactions Full service account to meet your banking needs, including options to avoid monthly service fees 25 free transactions Debit Card Preferred Loan Discount 1/4% off with auto debit 1/4% off with auto debit Emergency Medical CD Option CD Bonus Earns Interest Checks Official Checks & Money Orders Incoming and Outgoing Domestic Wires Small Safe Deposit Box Statement Online Statement or $1.50 per month Imaged Statement Overdraft Fee Refund Minimum Opening Deposit $50 $50 Monthly Service Fee $4.95 $7.95 Required to Waive Monthly Service Fee N/A Total of $300 direct deposit(s) (per statement cycle) OR $1,400 average monthly collected balance OR $5,000 average monthly collected balance in combined deposit balances (checking, savings or money market) 2 Refer to page 16 for additional details regarding the products and features described above.

7 ADVANTAGE CHECKING ADVANTAGE 55 CHECKING Provides perks and premiums based on your entire banking relationship Provides services to manage your money, for those 55 or over Unlimited Transactions Unlimited Transactions 1/4% off with auto debit 1/4% off with auto debit No Earn an extra.10% on CDs initial supply of checks Imaged Statement Earn an extra.10% on CDs initial supply of checks Imaged Statement $50 $50 $15 $10 $10,000 average collected in combined balances $5,000 average collected in combined balances 3

8 PERSONAL SAVINGS Earn interest on one of our great savings accounts. PERSONAL SAVINGS 2.0 Account Features A basic interest bearing account that allows you to build a savings base Online & Mobile Banking & ATM Access Check Access No Incoming Wires No Statement Monthly Earns Interest Compounded and paid monthly Minimum Opening Deposit $25 Minor children (under 18 years of age) of clients may open with no minimum opening deposit Service Fee $4.95 per month Balance Required to Waive Monthly Service Fee $100 average collected balance for the month or monthly electronic transfer(s) of at least $5 from your Bank of Oklahoma Personal Checking account Eligible for QuickSave SM Refer to page 17 for additional details regarding the products and features described above. 4

9 PERSONAL MONEY MARKET Standard money market account that offers competitive interest rates and a low minimum balance PREMIER MONEY MARKET Pays premium interest rates for maintaining higher balances while offering check writing convenience No Monthly, with free check images Monthly, with free check images Tiered rates, compounded and paid monthly Tiered rates, compounded and paid monthly $50 $50 $7.95 per month $15 per month $1,000 average collected balance for the month $10,000 average collected balance for the month See Page 6 For CD Investment Alternatives 5

10 CD AND IRA OPTIONS Get the security of a savings account while earning higher yields with a guaranteed interest rate. CERTIFICATE OF DEPOSIT Account Features Provides peace of mind with fixed rates and terms Online and Mobile Banking Statement At maturity Earns Interest Compounded and paid quarterly Minimum Opening Deposit $1,000 Service Fee --- Balance Required to Waive Service Fee No monthly service fee Refer to page 17 for additional details regarding the products and features described above. 6

11 PREMIER MONEY MARKET IRA (TRADITIONAL AND ROTH) CERTIFICATE OF DEPOSIT Earn competitive, money market rates while building your retirement Build a retirement nest egg with tax-deferred earning Quarterly Annually Tiered rates, compounded daily and paid monthly Tier I $0 - $9,999 Tier II $10,000 - $24,999 Tier III $25,000 - $49,999 Tier IV $50,000 - $99,999 Tier V $100,000 - $249,999 Tier VI $250,000 + Compounded daily and paid monthly $1,000 $100 $10 per quarter $10 Annually Average collected balance of $2,500 for the quarter $10,000 total IRA Plan Balances 7

12 QuickSave SM Your official savings partner. Saving for the future is an important goal but we know it s not easy especially when you go at it alone. But what if you had a partner to help you, to make it easier to save? Now you do with QuickSave SM from Bank of Oklahoma. With QuickSave SM, you automatically put something into your savings when you use your Debit Card or pay a bill with Online BillPay. Plus, we will match a portion of those savings 100% of your QuickSave SM savings for the first three months and 5% thereafter. Just tell us the amount you want to transfer to your savings account with each transaction and we ll do the rest. How QuickSave SM Works To enroll, tell us how much you want to save with each Debit Card and Online BillPay transaction -- $0.25 or $0.50. We ll link your checking account to a savings or money market account. Each night, we ll take the number of Debit Card and Online BillPay transactions, multiply the total by your QuickSave SM amount, $0.50 or $0.25, and then transfer that amount to your savings or money market account in one transfer. Each year, we ll automatically transfer our match amount within 6-8 weeks after the anniversary date of your account. After you ve enrolled, log on to Online Banking to see the transfer activity in both your checking account and savings account. We ve taken the tricky part out of saving for the future -- having to do it all by yourself. With QuickSave SM, we ve made saving effortless. Just stop by one of our local banking centers or call an ExpressBanker to get started today! Refer to page 20 for QuickSave SM terms and conditions. 8

13 For a list of Frequently Asked Questions or more details about this product, please visit or ask your Personal Banker. 9

14 BUSINESS CHECKING Business checking solutions that best fit your needs. FREE SMALL BUSINESS CHECKING Account Features Designed for your basic business needs Online & Mobile Banking & BillPay Business Debit Card Online Banking 15 BillPay Transactions Merchant Services Discount Available Checks --- Earns Interest --- Overdraft Protection Minimum Opening Deposit $50 Monthly Service Fee --- Monthly Transaction Fee Details First 200 transactions are free; $0.40 per transaction thereafter; Business Debit Card transactions do not count toward transaction limit Balance Required to Waive Monthly Service Fee --- Refer to page 18 for additional details regarding the products and features described above. 10

15 BUSINESS INTEREST CHECKING BUSINESS ADVANTAGE CHECKING Cover your basic business needs while earning interest Designed for businesses with moderate transaction volume; provides rewards based on the entire banking relationship Online Banking 15 BillPay Transactions Online Banking 25 BillPay Transactions Discount Available --- Tiered rates, compounded and paid monthly Tier I $0 - $9,999 Tier II $10,000 - $49,999 Tier III $50,000 + Discount Available First Order Discount - $25.00 discount on Business Checks or 50% off Personal Checks --- $50 $50 $15 $20 First 200 transactions are free; $0.50 per transaction thereafter; Business Debit Card transactions do not count toward transaction limit First 400 transactions are free; $0.40 per transaction thereafter; Business Debit Card transactions do not count toward transaction limit $10,000 average monthly balance $10,000 average monthly balance or $25,000 combined deposit balances or $50,000 combined loan balances (Including Personal & Business Accounts) See Page 13 For Business Savings Solutions 11

16 BUSINESS SAVINGS Our Business Savings accounts are designed to let you invest your cash resources. BUSINESS SAVINGS Account Features Designed to let you invest your cash resources Online & Mobile Banking & ATM Access Check Access No Statement Quarterly Earns Interest Compounded and paid quarterly Minimum Opening Deposit $100 Service Fee $2 per month Balance Required to Waive Service Fee $300 average ledger balance Refer to page 19 for additional details regarding the products and features described above. 12

17 BUSINESS INVESTOR FUND Earn higher interest rates with check writing convenience CERTIFICATE OF DEPOSIT Earn competitive returns with the security of FDIC No Monthly, with free check images At maturity Tiered rates, compounded and paid monthly Tier I $1,000 - $9,999 Tier II $10,000 - $49,999 Tier III $50,000 + Compounded and paid quarterly $100 $1,000 $10 per month --- $1,000 minimum daily balance No monthly service fee 13

18 Overdraft Solutions Ever made a mistake with your checking account, such as written a check for more money than the available balance? We want to help you avoid these situations by offering a number of solutions: Keep Track of Your Account 24/7 with Online Banking It s secure, fast, and easy to manage your account anywhere you have Internet access. With Online Banking, you can review pending transactions and see detailed views of your account activity to determine which checks have cleared or deposits have posted. You can also review check images and account statements. Plus, you can transfer funds between your Bank of Oklahoma accounts and establish alerts to multiple addresses to monitor your account activity. It s easy to enroll. Visit us online at Protect Your Accounts with Overdraft Protection Link your checking account to your Bank of Oklahoma savings, money market or line of credit account. In the event of an overdraft, we will automatically transfer available funds to cover the overdraft. A nominal transfer fee or interest may apply. 1 Need to enroll, stop by your local banking center or call our 24-Hour ExpressBank See Summary of Fees and Definitions for pricing. Ask a Personal Banker for the current personal Line of Credit interest rate.

19 Tips on How to Avoid Overdraft and Returned Item Fees Keep track of how much money you have in your checking account by keeping your check register up-to-date. Record all checks when you write them and other transactions when you make them. And don t forget to subtract any fees. Pay special attention to your electronic transactions. Record your ATM withdrawals and fees, Debit Card purchases, and other online payments. Don t forget about automatic bill payments you may have set up for utilities, insurance, or loan payments. Keep an eye on your account balance. Remember that some checks and automatic payments may not have cleared yet. Review Your Account Statements Each Month. Between statements, you can find out which payments have cleared and check your balance by using Online Banking. You can also check your account balances and listen to transaction history with our automated phone service. 15

20 PERSONAL CHECKING DISCLOSURES Feature: Monthly Statement Products: Basic Checking If you chose to receive a monthly statement via postal mail, a statement fee of $1.50 will be assessed each month. You can avoid the statement fee by enrolling in free Online Banking and signing up for Online Statements at See Online Banking terms and conditions for hardware/software requirements. Feature: Online BillPay Products: Varies, see detail below. Basic Checking There is a $3.95 monthly maintenance fee. The first 15 BillPay transactions per statement cycle are free, $0.40 per BillPay transaction thereafter. Choice Checking There is no monthly maintenance fee. The first 25 BillPay transactions per statement cycle are free, $0.40 per BillPay transaction thereafter. Advantage/Advantage 55 There is no monthly maintenance fee and there are unlimited BillPay transactions at no charge. Feature: Preferred Loan Rates Products: All Personal Checking Discount applies to the Interest Rate at the time of application. Payment must be automatically debited from a Bank of Oklahoma checking account. Loan discounts do not apply to all types of loans and are applicable for new loans only. Some restrictions apply. All offers subject to credit approval. Feature: Emergency Medical CD Product: Advantage 55 Advantage 55 clients may designate one CD as an Emergency Medical CD, from which they may withdraw funds without penalty in the event of a medical emergency. We reserve the right to request documentation that verifies the medical emergency prior to granting the penalty-free withdrawal. Feature: CD Bonus Products: Advantage and Advantage 55 Advantage/Advantage 55 clients can receive an additional.10% when you link your new CD to your Advantage/Advantage 55 Checking Account. Contact a banker to request your new CD be linked to your Advantage/Advantage 55 Checking Account, as the linkage will not occur unless requested. If the linked CD renews into a different term or product from the original type at maturity, please contact a banker to request a link from the new CD to your Advantage/ Advantage 55 Checking Account. This premium does not apply to CDs opened before your Advantage/Advantage 55 account was opened or upgraded to Advantage. If you close your account or change the product type from Advantage/Advantage 55, the.10% premium may not apply. All other terms and conditions regarding the CD apply. Feature: Interest-Bearing Accounts Products: Advantage and Advantage 55 Tiered rates compounded and paid monthly. Maintain a daily collected balance according to the tiers to obtain the disclosed annual percentage yield. Refer to page 22 for additional interest information. Feature: Safe Deposit Box Products: Advantage and Advantage 55 Advantage and Advantage 55 clients pay no annual rental fee for small box. Subject to availability. Feature: Overdraft Fee Refund Products: All Personal Checking One per calendar year, at client s request. 16

21 Feature: Overdraft Protection Products: All Personal Checking Automatic transfers from your savings or money market account. Subject to withdrawal limitations. A transfer fee will apply. See Summary of Fees and Definitions for pricing. Feature: Requirements to Waive Monthly Service Fee Products: Varies, see detail below. Advantage and Advantage 55 A total average collected and combined balance for the month. May be combined balance in any combination of the following personal accounts: checking, money markets, savings, CDs, IRAs, installment loans, lines of credit and/or a first mortgage from Bank of Oklahoma Mortgage. Personal accounts linked to your account to qualify as combined balances may only be used once. For example, your CD can only be linked to one account to offset the monthly maintenance fee. Choice Checking The monthly service fee can be avoided by doing one of the following: 1. Maintain a $1,400 average monthly collected balance in your Choice Checking account. 2. Maintain a $5,000 average monthly collected balance in combined balances within your Choice Checking account and your other personal Money Market or Savings accounts. Personal accounts linked to your account to qualify as combined balances may only be used once. For example, your Savings Account can only be linked to one account to offset the monthly maintenance fee. 3. Direct Deposit. Qualifying direct deposits are deposits of regular monthly income of at least $300 per statement cycle which are deposited electronically to your account through the automated clearinghouse (ACH). Examples would be your salary, pension, government benefit payment, such as Social Security, or regular monthly income from an employer or third party. Other types of transfers and deposits do not qualify. Examples of nonqualifying transfers and deposits include: deposits made at a banking location or ATM, wire transfers, Online Banking transfers, non-periodic direct deposits (such as tax refunds or payments) or transfers from one account to another. PERSONAL SAVINGS, MONEY MARKET AND CD DISCLOSURES Feature: Interest Products: Personal Savings 2.0, Personal Money Market and Premier Money Market The interest rate and Annual Percentage Yield (APY) are administered by the Bank and may change daily at the discretion of the Bank, unless stated otherwise. Account fees may reduce earnings. Please ask for a current rate sheet for rate information. Refer to page 22 for additional interest information. Feature: Interest Compounding and Withdrawal Information Product: Personal Savings 2.0 Permitted to make a total of 6 withdrawals a month by the following methods: automatic transfers, preauthorized payments, telephone (including 24-Hour ExpressBank and Online Banking) and wire transfers. A $2 fee will be assessed for each transaction exceeding these limits. To comply with federal regulations, the Bank may be required to close any account exceeding these limits. Feature: Interest Compounding and Withdrawal Information Product: Personal Money Market and Premier Money Market Maintain a daily collected balance according to the tiers to earn the disclosed APY. Permitted to make a total of 6 withdrawals a month by the following methods: thirdparty checks and drafts, automatic transfers, preauthorized payments, telephone (including 24-Hour ExpressBank and Online Banking) and wire transfers. A $10 fee will be assessed for each transaction exceeding these limits. To comply with federal regulations, the Bank may be required to close any account exceeding these limits. 17

22 Feature: Interest and Related Information Product: Premier Money Market IRA Maintain a daily collected balance according to the tiers to earn the disclosed APY. Federal regulations limit certain transactions from Money Market IRAs. No more than six preauthorized or telephone withdrawals and transfers are allowed each quarterly statement cycle. Check writing is not available with this account, although withdrawals may be made at the banking center. Withdrawals from IRAs prior to age 59 may be subject to a 10% additional federal tax as well as being subject to ordinary federal and state income taxes. Feature: Tax Deductibility Products: Premier Money Market IRA and IRA CD Consult your tax advisor regarding deductibility. Feature: Account Administration Products: IRA Certificate of Deposits An annual (every March) maintenance fee of $10 will be charged for your Traditional IRA, Roth or SEP plan. This fee can be avoided if your total IRA plan balance is $10,000 or greater. If you have more than one IRA CD within your IRA CD, the fee will be deducted from the IRA CD based on your current distribution order. Generally the distribution order begins with the IRA CD with the lowest interest rate. A transfer fee of $25 will be charged for Direct Custodian transfers to another institution. If the amount you transfer is less than 100% of the balance in your plan, the transfer fee will be deducted from your remaining account balance(s). If the amount you transfer is 100% of the balance in your plan, the transfer fee will be deducted from the balance before the transfer is completed. Please refer to your IRA plan agreement for additional information. BUSINESS CHECKING DISCLOSURES Feature: Online BillPay Products: Small Business Checking and Business Interest Checking First 15 BillPay transactions per month free, $0.50 per transaction thereafter. Feature: Online BillPay Products: Business Advantage Checking First 25 BillPay transactions per month free, $0.50 per transaction thereafter. Feature: Interest Product: Business Interest Checking Tiered rates compounded and paid monthly. Maintain a daily collected balance according to the tiers to obtain the disclosed annual percentage yield. Refer to page 22 for additional information regarding interest. Feature: Overdraft Protection Products: Small Business Checking, Business Interest Checking and Business Advantage Checking Automatic transfers from your savings or money market account. Subject to withdrawal limitations. A transfer fee will apply. See Summary of Fees and Definitions for pricing. Feature: Monthly Transaction Fee Details Product: Small Business Checking, Business Interest Checking and Business Advantage Checking Transactions include checks written, debits, deposits, items deposited and transfers. Business Advantage and Business Interest Checking Receive check images at no fee. Small Business Checking Receive check images at no fee, check return with monthly statement is $10 per month. 18

23 Feature: Balance Required To Avoid Monthly Service Fee Product: Business Advantage Checking The monthly service fee can be avoided by doing one of the following: Maintain a $10,000 average monthly collected balance in your Business Advantage account. Or, maintain a $25,000 average monthly collected balance in combined balances within your Business Advantage account and your other deposit accounts (Money Market, Savings or CD balances). The other deposit accounts may be in the business name and also include your personal accounts. Business and personal accounts linked to your Business Advantage account to qualify as combined balances may only be used once. For example, your CD can only be linked to only one account to offset the monthly maintenance fee. Or, maintain a $50,000 average monthly collected balance in combined balances with your Business Advantage account, other deposit accounts (as noted above) and business and/or personal loans or advanced line of credit balances. As described above, loans may only be used once as a combined balance. Consumer Mortgages originated from the bank s Mortgage Company are not eligible. Note: Monthly Transaction Fees are not eligible to be waived. We reserve the right to limit the number of checking accounts that may be opened per client or organization. BUSINESS SAVINGS DISCLOSURES AND BUSINESS INVESTOR FUND Feature: Interest Products: Business Savings and Business Investor Fund The interest rate and Annual Percentage Yield (APY) are administered by the Bank and may change daily at the discretion of the Bank, unless stated otherwise. Account fees may reduce earnings. Please ask for a current rate sheet for rate information. Refer to page 22 for additional interest information. Feature: Interest Compounding and Withdrawl Information Products: Business Savings Maintain a daily collected balance of $100 to earn the disclosed APY. Permitted to make 2 withdrawals a month by the following methods: automatic transfers, preauthorized payments, telephone (including 24-Hour ExpressBank and Online Banking) and wire transfers. A $2 fee will be assessed for each transaction exceeding these limits. To comply with federal regulations, the Bank may be required to close any account exceeding these limits. Feature: Interest Compounding and Withdrawl Information Products: Business Investor Fund Maintain a daily collected balance according to the tiers to earn the disclosed APY. Permitted to make a total of 6 withdrawals a month by the following methods: third-party checks and drafts, automatic transfers, preauthorized payments, telephone (including 24-Hour ExpressBank and Online Banking) and wire transfers. To comply with federal regulations, the Bank may be required to close any account exceeding these limits. Feature: Deposit Item Fee Products: Business Investor Fund Includes 15 free deposited items a month, $0.07 per item thereafter. 19

24 QUICKSAVE SM TERMS AND CONDITIONS The QuickSave SM Program It s easy. You enroll in the QuickSave SM program. You choose a QuickSave SM transfer amount, either $0.50 or $0.25. We transfer money to your savings each time you use your Bank of Oklahoma Visa Debit Card or Bank of Oklahoma s electronic, Online BillPay service. We even match a portion of your savings. How QuickSave SM Works At the end of each business day, we determine the number of Debit Card and Online BillPay transactions that are eligible QuickSave SM transactions. We multiply the number of eligible transactions by your QuickSave SM transfer amount, then we make a QuickSave SM transfer, that is, we move a single credit amount to your savings or money market account. For example, if you have 3 eligible transactions (Debit Card or electronic, Online BillPay) through your checking account and your QuickSave SM transfer amount is $.50, we will deduct $1.50 from your checking account and credit your savings or money market account with $1.50. Eligible transactions made on a non-business day will be combined with eligible transactions made on the following business day. The term business day means every day except Saturdays, Sundays, and federal holidays. The QuickSave SM transfer will not be processed on any day that sufficient funds are not available or if the QuickSave SM transfer would result in an overdraft. In such a case, the QuickSave SM transfer will not be processed at a later date. You may change your QuickSave SM transfer amount at any time by telephone or by visiting any Bank of Oklahoma banking center location. Eligible QuickSave SM Transactions Purchases you make with your Bank of Oklahoma Debit Card (signature or PIN-based) are eligible transactions. The purchase must result in a debit transaction that posts to your preselected, personal Bank of Oklahoma checking account. The purchase of foreign currency, travelers checks, cashier s checks and other similar instruments are not eligible transactions. All other transactions conducted using your Debit Card such as deposits, withdrawals, balance inquiries, transfers, credits, pre-authorizations, reversals, and other checking account inquiries are not eligible transactions, including any and all small dollar transactions not executed within the spirit of the program (i.e. multiple $1.00 transactions). All electronic Bank of Oklahoma Online BillPay transactions are eligible transactions except for those small dollar transactions not executed within the spirit of the program (i.e. multiple $1.00 transactions). Online BillPay transactions that do not result in an electronic transfer of money are not eligible transactions. These non-eligible transactions post to your account (and are listed on your statement) as a paper check. If the eligible Debit Card or electronic, Online BillPay debit transaction is later cancelled or reversed, the original QuickSave SM transfer will remain in your savings or money market account. 20

25 Other QuickSave SM Requirements To enroll for QuickSave SM, you must have at least one Bank of Oklahoma personal checking account, linked to a Bank of Oklahoma personal savings or money market account and an open Bank of Oklahoma personal Debit Card. You may link up to three personal checking accounts to one QuickSave SM enrolled savings or money market account. You may have only one personal savings or money market account enrolled in the QuickSave SM program. At least one checking account owner must also be an owner on the personal savings or money market account. Enrollment in the QuickSave SM program requires that you receive a combined statement. This means your savings will be linked to a personal checking account. After three successive months of no eligible QuickSave SM transactions, your account will be un-enrolled and any accrued bank match awards will be forfeited. The QuickSave SM program is available only in association with personal accounts. The program is not available to business entities. Bank Match Award Each year, we will automatically transfer the bank match award to your personal savings or money market account within 6-8 weeks after your QuickSave SM enrollment anniversary date. During the first three months after your enrollment in the QuickSave SM program, we will match 100% of your QuickSave SM transfers. Afterward, we will match 5% of your QuickSave SM transfers. To receive the bank match award, at the time the bank match award is credited, you must be enrolled in and actively using the QuickSave SM program. Both of your enrolled accounts (savings or money market and checking) must be open and in good standing. The bank match award is limited to $250 annually. You are only eligible for one, 3-month, 100% bank match award. If you enroll in the QuickSave SM program and we determine that you were previously enrolled and have already received a 3-month, 100% bank match award, we may immediately, and without notice to you, disqualify related transactions or reduce the bank match amount. The amount of the bank match award paid to you will be reported to the IRS on Form 1099 as earned interest in accordance with IRS guidelines. We may suspend, terminate, or change the QuickSave SM program and/or these terms and conditions at any time and without notice. We may also un-enroll your account(s) from the QuickSave SM program and/or disqualify any or all transactions, eligible or otherwise, in our sole discretion, including any and all small dollar transactions not executed within the spirit of the program (i.e. multiple $1.00 transactions). 21

26 INFORMATION REGARDING INTEREST-BEARING ACCOUNTS Interest begins to accrue no later than the business day that the Bank receives credit for the deposit of noncash items, such as checks. Unless stated otherwise, we use the average daily collected balance method to calculate interest on your account. The interest rate and Annual Percentage Yield (APY) are administered by the Bank and may change daily at the discretion of the Bank, unless stated otherwise. Account fees may reduce earnings. Please ask for a current rate sheet for interest rate information. For additional information, read the Summary of Fees and Definitions and the Agreements and Disclosures. CD INTEREST COMPOUNDING AND PAYMENT OPTIONS Time Deposit Product Compounding Interest Paid Standard CDs Term less than 3 months None At maturity Standard CDs Terms 3 months and greater Quarterly Quarterly and at maturity Jumbo CDs Quarterly Quarterly and at maturity IRAs Daily Monthly and at maturity NOTE: Interest will be paid to the CD no less frequently than indicated above. For other than IRA CDs, you may elect to have interest paid to you, rather than to the CD, on a monthly, quarterly, semi-annual or annual basis. Interest begins to accrue no later than the business day that the Bank receives credit for the deposit of noncash items, such as, checks. 22

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