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Emerald Bank

Personal Savings Accoutns

Statement Savings

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account on the last business day of each month. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six(6) per month with no transfers by check, draft, debit card or similar order to third parties.

Account Fees: A minimum balance fee of $3.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month. A withdrawal fee of $5.00 will be charged for each withdrawal in excess of two(2) during a month. An early account closing fee of $10.00 will be imposed if you close the account within 90 days of opening. Dormant/Inactive Account Fees: $7.50 per month after 12 months of no customer activity with a balance of $1,000 or less for Regular savings accounts. This account is subject to OTHER ACCOUNT FEES.

Young Savers

This account is available to persons 18 years old or younger.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you make a deposit. Interest will be compounded monthly and will be credited to the account on the last business day of each month. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $25.00 to open this account. A withdrawal fee of $5.00 will be charged for each withdrawal in excess of two(2) during a month. An early account closing fee of $10.00 will be imposed if you close the account within 90 days of opening.Transfers from a Young Savers account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six(6) per month with no transfers by check, draft, debit card or similar order to third parties.

Account Fees: There is no service charge for this account. Dormant/Inactive Account Fee: $7.50 monthly after 12 months of no customer activity and balance is below $25.00 This account is subject to OTHER ACCOUNT FEES.

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