Minimum Opening Deposit ……………………………………………….………. $100.00
Balance required to avoid service charges …….…………………….…… $ 500.00
Monthly Maintenance Fee…………… $ 6.00 If on any day in the statement
                                                      period the balance falls below $ 500.00
Per Check Charge …………………..………$ .25 per check if balance falls below
                                          $ 500.00 on any day during the statement period
Statement period: Monthly
Cost of check printing varies depending on the style of checks ordered.
NSF (Insufficient funds) Paid or Returned Item Fee (per item)……. $ 30.00
Overdraft Fee (per item)……………………………………………………..……… $ 30.00
 This fee applies to overdrafts created by check, in-person withdrawal, ATM
 withdrawal ,or other electronic means.
Stop Payment Charge (per item) …….……………………………………………$ 30.00
Deposited Check Return Charge (per item) …………………………..……… $ 10.00
Dormant Account Charge: $5.00 per month if you fail to notify us in writing
of your current mailing address and three or more account statements have been returned as undeliverable or you fail to use your account for one year and  we cannot establish contact with you.

• No interest is paid on this account.
• No monthly maintenance fee with direct deposit of your paycheck, social security benefit, pension check, railroad retirement payment, etc. You are responsible for notifying us when you begin direct deposit so we can waive the fee.

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Minimum Opening Deposit ………………………..……………...……………….$100.00
Monthly Maintenance Fee ………….……………..…………………..………………$9.00
Statement Period: Monthly
Cost of check printing varies depending on the style of checks ordered.
NSF (Insufficient Funds) Paid or Returned Item Fee (per item) …...$ 30.00
Overdraft Fee (per item) ……………………………………………………………….$30.00
This fee applies to overdrafts created by check, in-person withdrawal, ATM
withdrawal, or other electronic means.
Stop Payment Charge (per item) …..…………..………………………………… $30.00
Deposited Check Return Charge (per item) ……………………..…………… $ 10.00
Dormant Account Charges: $ 5.00 per month as described previously.

• No interest paid on this account.
• No Monthly  Maintenance  Fee with direct deposit of your paycheck, social security benefit, pension check, railroad retirement payment, etc. You are responsible for notifying us when you begin direct deposit so we can waive
  the fee.

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Minimum Opening Deposit ..…………………………………..…………………. $100.00
Monthly Maintenance Fee …..……………………………..………………………… $4.00
Per Check Charge…………………………..………………… $.75 per check in excess
                                                           of 10 checks per statement period
Statement Period: Monthly
Cost of check printing varies depending on the style of checks ordered.
NSF (Insufficient Funds) Paid or Returned Item Fee (per item) ….... $30.00
Overdraft Fee (per item) ……………………………………………………………… $30.00
This fee applies to overdrafts created by check, in-person withdrawal, ATM
withdrawal, or other electronic means.
Stop Payment Charge (per item) …………..………..…………………………….$30.00
Deposited Check Return Charge (per item) …………………………………….$10.00
Dormant Account Charge: $ 5.00 per month as described previously.

• No interest paid on this account.
• No  Monthly  Maintenance  Fee with direct deposit of your paycheck, social security benefit,  pension check, railroad retirement  payment, etc. You are responsible for notifying us when you begin direct deposit so we can waive
  the fee.

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Must be 50 or older to qualify for this account.
Minimum Opening Deposit …….………………………………………………… $ 100.00
Balance required to avoid service charges ……..…………………………. $ 500.00
Monthly Maintenance Fee……………. $ 5.00 If on any day in the statement period the balance falls below $ 500.00
Statement Period: Monthly
Free personalized basic wallet-style checks.
Cost of other check printing varies depending on the style of checks ordered.
NSF (Insufficient Funds) Paid or Returned Item Fee (per item) .……$ 30.00
Overdraft Fee (per item) ……………………………………………………………...$ 30.00
This fee applies to overdrafts created by check, in-person withdrawal, ATM
withdrawals, or other electronic means.
Stop Payment Charge (per item) ….……………………………….……………. $ 30.00
Deposited Check Return Charge (per item) ………………….………………..$ 10.00
Dormant Account Charge: $ 5.00 per month if you fail to notify us in
writing of your current  mailing address and three or more account
statements have been returned as undeliverable or you fail to use your
account for one year and we cannot establish contact with you.

• No interest paid on this account
• Free Travelers Checks, Cashier’s Checks, and Money Orders.
• No Monthly Maintenance Fee with direct deposit of your paycheck, social security benefits, pension  check, railroad retirement payment, etc. You are responsible for notifying us when you begin direct deposit so we can waive the fee.

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Minimum Opening Deposit ………………………………………………………..$ 100.00
Interest rate ……………………………………………………………………See Rate Sheet
Annual Percentage Yield (APY).……………………………………….See Rate Sheet
Minimum balance required to obtain APY as listed: No minimum balance
to earn interest.
Minimum daily balance of $ 1,000.00 or $ 2,500.00 average monthly
balance to avoid the monthly  maintenance  fee  and per check charges.
Maintenance Fee …………..$ 8.00 if minimum balances are not met during the statement period.
Per Check Charge …..……….…..…..$ .10 Per check if minimum balances are not met during statement period.
Interest computation Method …..……………………………………Dailey Balance*
Interest will be compounded ……….………………………………………………....Daily
Interest credited ………….…………………………………………………………….Monthly
Interest will begin to accrue no later than when the bank receives credit
for the deposit.
If you close your account before interest is credited, you will receive the accrued interest.
Your interest rate and annual percentage yield may change.  At our discretion, we may change the interest on your account at any time.
Statement Period: Monthly
Cost for check printing varies depending on the style of checks ordered.
NSF (Insufficient Item) Paid or Returned Item Fee (per item) …..… $ 30.00
Overdraft Fee (per item) .…………………….……………………………………….$ 30.00
This fee applies to overdrafts created by check, in-person withdrawal, ATM
withdrawals, or other electronic means.
Stop Payment Charge (per item) .…………………………………………………$ 30.00
Deposited Check Return Charge (per item) ……………………………………$ 10.00
Dormant Account Charge: $ 5.00 per month if you fail to notify us in writing of your current  mailing address and three or more account statements have been returned as undeliverable or you fail to use your account for one year and we cannot establish contact with you.

*The daily interest is determined by the application of a daily periodic rate to the collected principal in the account each day. The Daily Balance Method applies a daily periodic rate to the collected principal in the account each day.

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Minimum Opening Deposit ……….……………………………….….…………$1,000.00
Minimum balance to avoid the monthly maintenance fee ……...$1,000.00
daily balance or $2,500.00 average monthly balance during the statement period.
Interest Rate ……….………………………………………………………….See Rate Sheet
Annual Percentage Yield (APY) ……………………………………….See Rate Sheet
Interest Computation Method ….………………………………………Daily Balance*
Interest will be compounded …………………………………………………………..Daily
Interest credited …….…………………………………………………………………Monthly
Interest will begin to accrue no later than when the bank receives credit for the deposit.
If you close your account before interest is credited, you will receive the accrued interest.
Your interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account at any time.

Tiered Interest Rate Method:
Interest Rate for each day the balance is ..……………………$2,499.99 or less
Interest Rate for each day the balance is ..………………….$2,500.00 or more
Statement Period:  Monthly
Cost for check printing varies depending on the style of checks ordered.

Transaction Limitations:
You may make no more than six withdrawals or transfers per statement period (excluding in-person withdrawals or transfers), of which no more than six may be by check to third parties.
Unlimited withdrawals may be made in person.

Fees:
Maintenance fee of $10.00 if minimum balances are not met during the statement period.  If transaction limitations are exceeded in any statement period, each additional transaction incurs a $5.00 charge.
NSF (Insufficient Funds) Paid or Returned Item Fee (per item)…..…$30.00
Overdraft Fee (per item)………………………………..……………………….…….$30.00
This fee applies to overdrafts created by check, in-person withdrawal, ATM
 withdrawal, or other electronic means.
Stop Payment Charge (per item) ..……………………..…………….……………$30.00
Deposited Check Return Charge (per item) ………………………..…………..$10.00
Dormant Account Charge: $5.00 per month if you fail to notify us in writing of your current mailing address and three or more account statements have been returned as undeliverable or you fail to use your account for one year and we cannot establish contact with you.

*The daily interest is determined by the application of a daily periodic rate to the collected principal in the account each day.  The Daily Balance Method applies a daily periodic rate to the collected principal in the account each day.

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DAILY INTEREST SAVINGS
Minimum Opening  Deposit ..…………………..……………………………..… $100.00
Minimum daily balance to avoid service charge .…………..………….. $100.00
Interest Rate ..………………………………………………………….……. See Rate Sheet
Annual percentage Yield (APY) ………………………………………  See Rate Sheet
Interest Computation Method .……………………………………….. Daily Balance*
Interest will be compounded ………………………………………..… Semi-Annually
Interest credited ………………..Semi-Annually on June 30 and December 31
 If these dates fall on a non-banking day (such as Saturday or Sunday), interest will be paid on the last business day of the month.
The accrued interest for the non-banking day(s) will be included in the next interest payment period. 
 Interest will begin to accrue on the day of deposit.
 If you close your account before interest is credited, you will receive the accrued interest.   
Your interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account at any time.

Minor Savings Account (Under 18 years of age):
Minimum Opening   Deposit ………………………………….….…………….…..$ 10.00
No minimum balance requirements to avoid monthly maintenance
fees.  All other terms and conditions apply.

Tiered Interest rate Method:
Interest rate for each day the balance is …………………….$ 49,999.99 or less
Interest rate for each day the balance is .………… $ 50.000.00 TO 99,999.99
Interest rate for each day the balance is .……….………$ 100,000.00 or more 
Statement Period: Semi-Annually

Transaction Limitations:
You may make no more than six withdrawals or transfers per calendar month, of which no more than six may be made to third parties.

Fees:
Maintenance fee of $2.00 per month if balance falls below
$100.00 on any day during the month.  If in-person withdrawals exceed
two per month, each additional in-person withdrawal incurs a $1.00
charge.
Deposited Check Return Charge (per item) ..…………………………………..$10.00
Dormant Account Charge: $5.00 per month if you to notify us in writing of  your current mailing address and three or more account statements have been returned as undeliverable or you fail to use your account for one year and we cannot establish contact with you.
*The daily interest is determined by the application of a daily periodic rate  to  the full amount of principal in the account each day. The Daily Balance Method applies a daily periodic rate to the principal in the account each day.

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Minimum To Open ……………………………………..…………………………….. $100.00
     Interest will be credited to your account or paid to you semi-annually.
If the certificate is $10,000.00 or more, the interest may be paid monthly or
quarterly by check or deposited to another Surety Account.
         The annual percentage yield (APY) assumes that interest remains on
deposit  until maturity.  A withdrawal will reduce earnings.
         After the account is opened, you may not make any deposits into or
withdrawals from the principal in the account until maturity date.
          Interest begins to accrue on the business day you deposit any non-
cash item (for example, checks).
Method of Computation ……………………………………………… DAILY BALANCE*
*The daily Balance Method applies a daily periodic rate to the full amount of  principal in the account each day.  The daily interest is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

PENALTY FOR EARLY WITHDRAWAL
Except as mentioned below, you cannot withdraw any principal from the account  before a maturity without our consent and we will charge a penalty.  We can only consent to an early withdrawal at the time you request it.  Interest credited during the current term can be withdrawn without penalty.

For an account with a term through 6 months, the penalty will be all of the interest earned from date of deposit or last renewal until the date of withdrawal, not to exceed 30 days’ interest at the CD rate.

For an account with a term over 6 months through one year, the Penalty will be 90 days’ interest at the CD rate.

For an account with a term over one year and up to five years, the Penalty will be 180 days’ interest at the CD rate.

For an account with a term of five years and up to seven years, the penalty will be 270 days’ interest at the CD rate.

For an account with a term of seven years, the penalty the penalty will be 365
days’ interest at the CD rate.

We will use the nominal (simple interest) rate in effect to calculate the
penalty.  We will charge the penalty first against any interest and excess
will be deducted  from the principal balance.

EXCEPTIONS:  We are permitted to allow an early withdrawal and waive
the above penalty if:

(1) any account owner dies or is declared incompetent, or
(2) this is  an I.R.A. or Keogh account and you are at least 59 ½ years of
age or disabled at the time of the withdrawal request, or
(3) this is an I.R.A. or Keogh account and the request for withdrawal
is made within seven days of establishing the account. (The penalty
in such case will be all interest earned on the amount withdrawn.)

Renewal Policy- Your certificate will AUTOMATICALL RENEW.  You will have a grace period of 10 calendar days from maturity date to present this certificate for payment without penalty.  If the certificate automatically renews.  IT WILL BE RENEWED AT THE RATE IN EFFECT AT THIS INSTITUATION ON THE DATE OF MATURITY.

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• IRA’S  are available as variable rate savings accounts or fixed rate certificates of deposit with varying maturities.

• There are no maintenance fees on IRA accounts.  Any withdrawals of principal or interest from an IRA are reportable to the Internal  Revenue Service.

FIXED RATE IRA
Minimum Opening Deposit  ………………………….…………………………$ 1,000.00
Interest Rate .……………………………………………………………….. SEE RATE SHEET
Annual Percentage Yield (APY) ….…………………………..……... SEE RATE SHEET
Interest Computation Method ….….……………………………... DAILY BALANCE*
Interest will be compounded ….………………………………………. Semi-Annually
Interest will be credited ..………………………………………………... Semi-Annually
Penalty for Early Withdrawal:  See Certificates of Deposit Section
Statement Period: Annually
Interest begins to accrue on the business day you deposit any non-cash item.
*The daily interest is determined by the application of a daily periodic rate to the full amount of principal in the account each day. The Daily Balance Method applies a daily periodic rate to the full amount of principal in the account each day.
VARIABLE RATE IRA
Minimum Opening Deposit .………………………..…………………………….. $250.00
Interest Rate ….…………………………………………………………….. SEE RATE SHEET
Annual Percentage Yield (APY) ….………………………………….. SEE RATE SHEET
Interest Computation Method ….…………………………………. DAILY BALANCE*
Interest will be compounded ….…………………………………… SEMI-ANNUALLY
Interest will be credited ...……………………………………………. SEMI-ANNUALLY
If you close your account before interest is credited, you will receive the
accrued interest.
There is no penalty for early withdrawal.
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.
Statement Period: Annually
Interest begins to accrue on the business day you deposit any non-cash item.

• Subsequent deposits must be at least  $ 100.00

*The daily interest is determined by the application of a daily periodic rate to the full amount of principal in the account each day. The Daily Balance Method applies a daily periodic rate to the full amount of principal in the account each day.
TIERED INTEREST RATE METHOD:
Daily Interest rate for each day the balance is ………..$ 49,999.99 OR LESS
Interest rate for each day the balance is ..……….$ 50,000.00 TO 99,999.99
Interest rate for each day the balance is ………..….$ 100,000.00 OR MORE

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Originally known as Surety Building and Loan Association, Surety Bank has been providing low cost residential mortgages to homeowners for over 80 years.  This extensive relationship with the local residential mortgage market coupled with the fact that all of Surety’s lenders and Board of Directors are long-time members of the local community, ensure that as a customer you can depend on timely and straightforward responses to questions and requests for residential real estate financing.  Please contact your nearest Surety location for assistance with your residential financing needs.

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