*Kid’s Club Savings is a tiered, interest-bearing savings account. The interest rate and corresponding annual percentage yield (APY) are tiered. If the daily balance in the account is $500.00 or less, the interest rate paid on the entire balance will be 4.92% with an annual percentage yield of 5.01%. An interest rate of .15% will be paid only for that portion of your daily balance that is greater than $500.00. The annual percentage yield for this tier will range from 5.01% to .39%, depending on the balance in the account. (APY calculations are based on a total deposit balance of $10,000.) Rate is effective as of April 7, 2016. $10.00 minimum opening deposit is required. There is no minimum balance required or monthly maintenance fee. Fees could reduce earnings. Rates are variable and are subject to change at the bank’s discretion. Rates are calculated on a daily balance method. You may make six (6) transfers from your account each month, by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by mail, or at an ATM are unlimited. The methods of account access vary by product type, and certain account access methods may not be available with all products. If withdrawals exceed 6 per monthly statement cycle, a $1.00 per item fee will be charged. Limited to one Kid’s Club Savings account per child. At the age of thirteen (13), the account will be converted to a Regular Savings account, and will be assessed a $3.00 monthly maintenance fee if the balance falls below $10.00 at any time during the monthly statement cycle.