Except as specifically described, the following disclosures apply to all of the accounts:

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. For dividend-bearing accounts, the Dividend Rate may change periodically as determined by the Board of Directors.
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. On dividend-bearing accounts, the Dividend Period is based on a calendar month. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date.
3. Compounding and Crediting. Dividends will be compounded and credited as set forth on the Schedule. The Dividend Period for all dividend-bearing accounts begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.
4. Accrual of Dividends. Dividends will begin to accrue on cash and non-cash deposits (e.g., checks) on the business day you make the deposit to your account.
5. Balance Information. The minimum balance required to open each account, earn dividends and avoid a service fee is set forth on the Schedule. On all Maps checking accounts, Share Savings accounts, and Youth Savings accounts, the dividends are calculated and the minimum balances required to earn dividends are determined using the actual daily balance method. Dividends are calculated by multiplying a daily periodic rate to the principal in the account each day. On Market Investor accounts, the daily balance to keep the account open is $100.
6. Account Limitations. For Market Investor accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to an excessive transaction fee or be closed. No limit on teller transactions.
7. Deposit Reclassification. Your checking and savings account shall consist of two subaccounts: (1) a transaction subaccount and (2) a non-transaction subaccount. We shall distribute your funds between these accounts in accordance with our deposit reclassification policy (which may be changed from time to time at our discretion without further notice to you). All of your account transactions will be posted to the transaction subaccount. The balances in the non-transaction subaccount will be transferred to the transaction subaccount as needed to meet your transactional needs in accordance with Federal Regulatory requirements. This process does not adversely impact your access to your funds held in either account. These subaccounts will be treated as a single account for purposes of deposits and withdrawals, access and information, statement reporting, and any fees or charges. There are no separate or additional balance requirements, fees, or charges associated with the creation of these subaccounts. If your account is a non-interest bearing account, neither the transaction subaccount nor the non-transaction subaccount will receive any interest. If your account is an interest-bearing account, both the transaction subaccount and the non-transaction subaccount will receive the same interest rate at all times, and your periodic statement will reflect a single blended Annual Percentage Yield (“APY”) and APY Earned.

Basic business checking account is designed for small business owners, non-profits and associations with low transaction processing activity and balances.

Business checking account is designed for businesses with low to moderate account activity and balances. Business Plus Checking account is designed for business with high volume account activity and balances.

Additional Business services available: cell phones, online banking, online bill pay, automated tax payments, debit cards, Privateline, business visa and loans, merchant card processing, payroll, wireless, tenant screening, credit reports, retirement and financial planning.