|Account Type||Daily Minimum Ledger Balance Required To Earn Interest||Interest Rate||Annual Percentage Yield|
|Senior Citizen Statement||$500.00||0.05%||0.05%|
We use the Daily Balance Method to calculate the interest on your account. This method applies a daily periodic rate to the Ledger Balance in your account each day. Interest is accrued daily, compounded quarterly and credited to your account on the last business day of the Interest Quarter. Our Interest Quarters are: December 01 to February 28; March 01 to May 31; June 01 August 31; September 01 to November 30. If you close your account before interest is credited, you will NOT receive the accrued interest. At our discretion, we may change the interest rates at any time. Penalty may be assessed for early withdrawal. APY is accurate as of January 8, 2013. Fees could reduce the earnings on the account.