DISCLOSURES

Privacy Disclosure
To download a copy of the privacy disclosure, click on this link:  Privacy Disclosure 

Truth In Savings
To download a copy of the general accounts disclosure, click on this link:  Truth In Savings Disclosure

To download a copy of the Diamond Club disclosure, click on the link:  Diamond Club Truth in Savings Disclosure

To download a copy of the Employee's Edge disclosure, click on the link:  Employee's Edge Truth In Savings 

To download a copy of the Platinum Savings disclosure, click on the link:  Platinum Savings Truth In Savings 

To obtain Adobe Reader (a free download), click on: 
 

Diamond Club Truth In Savings
To be a Diamond Club member you must have:
• A Diamond Club Checking Account and
• A Diamond Club Certificate(s) of Deposit, and either
• A Diamond Club Money Market Account or a Diamond Club Savings Account.

Diamond Club Checking
Minimum balance to open the account - You must deposit $100.00 to open this account.
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to obtain the annual percentage yield disclosed - There is no minimum balance required to obtain disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Diamond Club Money Market Account
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $25,000.00 to open this account.
Minimum balance to avoid imposition of fees - A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $25,000.00 for any day of the cycle.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue no later then the business day we receive credit for the deposit of non-cash items (for example, checks).
Transaction limitations: Transfers from a Diamond Club Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no more than three by check, draft, debit card, or similar order to third parties.

Diamond Club Savings
Rate Information - Your interest rate and annual percentage yield may change.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we will change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded every quarter. Interest will be credited to your account every quarter.
Effect of closing an account - It you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $25,000 to open this account.
Minimum balance to avoid imposition of fees - A maintenance fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $25,000 for any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $25,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Transaction limitations - Transfers from a Diamond Club Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.
Fees: An excessive withdrawal fee of $.50 will be charged for each withdrawal in excess of nine during a quarter.

Diamond Club Certificate of Deposit
Rate Information - The interest rate on your account is ___________% with an annual percentage yield of __________%. You will be paid this rate until first maturity.
Compounding frequency - Unless otherwise paid, interest will be compounded every quarter.
Crediting frequency - Interest will be credited to your account every quarter. Alternatively, you may choose to have interest paid to you or to another account every month rather than credited to this account.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must have a combined Diamond Club CD relationship of $25,000.00 ($100,000.00 for a Jumbo CD) to open this account.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a combined Diamond Club CD minimum balance of $25,000.00 ($100,000.00 for Jumbo CD) in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Transaction limitations - You may not make any deposits into your account before maturity. You may not make withdrawals of principal from your account before maturity. You may withdraw interest credited to your account before maturity.
Time requirements - Your account will mature _____________
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -
• If your account has an original maturity of one year or less:
The fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of more than one year:
The fee we may impose will equal 180 days interest on the amount withdrawn subject to penalty.
In certain circumstances, such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the funds without a penalty.

Your Account
These are the accounts you have opened or inquired about. Further details about these accounts are inside this brochure. If the figures are not filled in, please see the insert that is with this disclosure or your periodic statement.

Diamond Club Checking
The interest rate for your account is
__________%
with an annual percentage yield of _________%.

Diamond Club Money Market Account
Rate Information:
• Tier 1- If your daily balance is $250,000.00 or more, the interest rate paid on the entire balance in your account will be __________% with an annual percentage yield of ___________%.
• Tier 2 - If your daily balance is more than $49,999.99, but less than $250,000.00, the interest rate paid on the entire balance in your account will be __________% with an annual percentage yield of __________%.
• Tie

r 3- If your daily balance is more than $9,999.99, but less than $50,000.00, the interest rate paid on the entire balance in your account will be __________% with an annual percentage yield of __________%.
• Tier 4 - If your daily balance is $9,999.99 or less, the interest rate paid on the entire balance in your account will be __________% with an annual percentage yield of __________%.

Diamond Club Savings Account
The interest rate for your account is
___________%
with an annual percentage yield of __________%.

Diamond Club Certificate of Deposit