|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 Balance in your account each day. Interest is accrued daily, compounded and credited monthly to your account from your account’s issue date. For the variable rate accounts (above), the rate of interest will be paid until the maturity date of the account. At our discretion, we may change the interest rates at anytime. Penalty may be assessed for early withdrawal. APY is accurate as of January 8, 2013. Fees could reduce the earnings on the account.