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SAVINGS DISCLOSURE

COMPOUDING AND CREDITING
Interest will be compounded monthly and credited monthly on the Statement Savings, Money Market Savings, and Interest Plus Savings Accounts.

Interest will be compounded quarterly and credited quarterly on the Passbook Savings and Preferred Savings Accounts.

Simple interest is earned on Christmas Savings Accounts and credited in October at which time funds will be paid out.

MINIMUM BALANCE REQUIREMENTS
Passbook Savings: You must deposit $50.00 to open this account. This account earns interest on a tiered balance method. You must maintain a minimum daily balance of $50.00 in the account each day to obtain the disclosed Annual Percentage Yield and to avoid a quarterly service charge. You will earn interest for everyday during the period that your account equals or exceeds the minimum daily balance requirement.
Statement Savings: You must deposit $50.00 to open this account. This account earns interest on a tiered balance method. You must maintain a minimum daily balance of $50.00 in the account each day to obtain the disclosed Annual Percentage Yield and to avoid a monthly service charge. You will earn interest for everyday during the period that your account equals or exceeds the minimum daily balance requirement.
Money Market Savings: (Existing accounts only) This account earns interest on a tiered balance method. You must maintain a minimum daily balance of $50.00 in the account each day to obtain the disclosed Annual Percentage Yield and to avoid a quarterly service charge. You will earn interest for everyday during the period that your account equals or exceeds the minimum daily balance requirement.
Preferred Savings: You must deposit $2500.00 to open this account. This account earns interest on a tiered balance method. You must maintain a minimum daily balance of $2500.00 in the account each day to obtain the disclosed Annual Percentage Yield and to avoid a quarterly service charge. You will earn interest for everyday during the period that your account equals or exceeds the minimum daily balance requirement.
Christmas Savings: You must deposit $25.00 to open this account. You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed Annual Percentage Yield. You will earn interest for everyday during the period that your account equals or exceeds the minimum daily balance requirement.
Interest Plus Savings: You must deposit $2500.00 to open this account. This account earns interest on a tiered balance method. You must maintain a minimum daily balance of $2500.00 in the account each day to obtain the disclosed Annual Percentage Yield and to avoid a monthly service charge. You will earn interest for everyday during the period that your account equals or exceeds the minimum daily balance requirement.

DORMANT/INACTIVE ACCOUNT INFORMATION
A dormant account fee may be charged after 3 years of inactivity. Unclaimed Funds- In the event the account remains inactive for a period of five years, the monies deposited in such account may become "Unclaimed Funds" as provided in the Ohio Revised Code.

BALANCE COMPUTATION METHOD
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

FEES AND CHARGES
Please refer to the separate fee schedule for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

PROCESSING ORDER
All credit transactions are processed first. Debits, or withdrawals, from the account will be processed as follows: electronic items such as ATM and Preauthorized transactions then checks. The items are processed in check numeric order.

TRANSACTION LIMITATIONS
After the account is opened, you may make deposits into the account at any time.  Withdrawals may be made as long as those funds are available to be withdrawn, excluding Christmas Savings.

Christmas Savings: Only deposits are permitted to Christmas Savings Accounts, no withdrawals are permitted.

Savings account holders are not to make more than six electronic transfers and withdrawals or a combination of transfers and withdrawals per calendar month or statement cycle (at least a four week period).  Electronic transfers include internet transfers, online bill payments and ACH payments.  If more than six restricted transactions occur within the timeframe specified, a written notice will be sent which may eventually result in fees and/or closure of the account.