Cross County Savings Bank Community Business Savings Account Disclosure 

Community Business Savings 

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield correspond to the interest rate and annual percentage yield listed for the Community Business Savings account included on the rate chart.  If you close the account before interest is credited, you will receive the accrued interest. 

Frequency of Rate Changes: We may change the interest rate and annual percentage yield on your account at any time. 

Determination of Rate: At our discretion, we may change the interest rate and annual percentage yield on your account at any time. 

Compounding and Crediting Frequency: Interest will be compounded every day. Interest will be credited to your account every month. 

Limitations: You must deposit $1.00 to open this account. If the end of month balance falls below $100.00, you will incur a monthly maintenance fee. 

Minimum Balance to Obtain the Annual Percentage Yield Disclosed: You must maintain a minimum balance of $1.00 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 on the business day you deposit non-cash items (for example, checks). 

Our Rights to Terminate Your Account: We may close your account at any time. We will notify you if we do so. We may refuse to pay any check presented to us for payment after our notice. We may mail you our check for the balance of the account. If your account has been inactive for at least ninety (90) consecutive days, we may close the account without notice to you. 

Transaction Limitations: The maximum number of covered transactions you can make is limited to no more than six (6) per statement period. If you have reached this limit, we may refuse to honor additional transactions or pay the item and impose an excessive activity fee. We count checks for purposes of the transaction limitation as of the date we post them to your account (not as of the date you write them). If these limits are exceeded three (3) consecutive times within a twelve (12) month period, we will, in our sole discretion: restrict your account access; or, transfer the funds in your account into another Cross County Savings Bank account you have (or that we open for you) that is not subject to these transaction limits, as will be further described in the notice that we will send concerning such excessive transaction activity; or, close your account and mail you a check for your balance, if any. 

The following is a list of covered transactions: 

• Preauthorized transfers from your savings account. 

• Telephone transfers or other electronic transmissions from your savings account. 

• Online banking transfers or bill payment transfers from your savings account. 

• Transfers by check, draft or debit/ATM card, if allowed on your savings account. 

The Bank reserves the right to require seven (7) days prior notice of withdrawal from this account. 

Account Fees: Refer to the fee schedule for fees that could reduce the balance in your account such as rolled coins and returned items. We may amend these terms and conditions at any time by mailing a notice to you or, if applicable law permits, by posting a notice in our branch locations. The change shall become effective thirty (30) days after we give you notice, unless applicable law requires longer notice. 

The Cross County Savings Bank Deposit Account Disclosures/All About Your Account(s) Terms and Conditions apply to this product, and are incorporated herein by reference. Please refer to the Deposit Account Disclosures/All About Your Account(s) Terms and Conditions for a detailed explanation. The terms stated above only apply to the product identified above. To the extent that the terms stated above are inconsistent with the Deposit Account Disclosures/All About Your Account(s) Terms and Conditions, the terms stated above will prevail and supersede any inconsistent provision(s) 

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