Save Your Way Application

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth on our Rates page. The
Dividend Rate and Annual Percentage Yield may change at any time as determined by the Board of Directors. The rates shown are the prospective rates in
effect as of the Effective Date shown.
2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend
period.
3. Compounding and Crediting. Dividends will be compounded and credited on a quarterly basis. For dividend bearing accounts, the Dividend Period
begins on the first calendar day of the period and ends on the last calendar day of the period.
4. Accrual of Dividends. Dividends will begin to accrue on noncash deposits (e.g., checks) on the business day you make the deposit to your account. If
you close your account before accrued dividends are credited, you will not receive the accrued dividends.
5. Balance Information. The minimum balance required to open each account and earn the stated Annual Percentage Yield is $5. If you do
not maintain the minimum balance, you will not earn the stated Annual Percentage Yield. For all accounts, dividends are calculated using the Average Daily
Balance method, in which dividends are calculated by applying a periodic rate to the balance in the account each day.