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Interest Checking Disclosure and Fee Schedule

Rate Information: This is an interest bearing account. Please review our current rate schedule for interest rates and annual percentage yields.

Frequency of Rate Changes: The interest rate and annual percentage yield may change daily at the Bank's discretion.

Compounding and Crediting of Interest: Interest is compounded daily and credited every monthly statement cycle.

Minimum Balance Requirements: To open an account you must deposit at least $500.00. You must maintain a daily balance of $500.00 to obtain the disclosed annual percentage yield.

Balance Computation Method: We use the daily balance method to compute interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of Interest on Deposits: Interest begins to accrue on non-cash items (for example, checks) on the business day of deposit.

Avoidance of Fees: Your account will be charged a monthly maintenance service charge of $5.00 if your average daily balance is less than $500.00 for the monthly statement cycle. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Withdrawal limitations: At any time we reserve the right to require not less than seven days notice in writing before any withdrawal from an interest bearing account.

Account Inactivity: An account is considered inactive/dormant if for 1 year there have been no transactions to the account. Account Inactivity Fee: $5.00 is charged per month if the balance is $100.00 or less.

Fees: Please refer to "Other Charges in Connection with an Account" for additional information regarding applicable fees and charges.

Other Charges in Connection with an Account

Account Research $10.00/hour
Account Reconciliation Charge $10.00/hour (no charge in case of bank error)
ACH Return $30.00
ATM/Debit Card Free at New Tripoli Bank owned ATM's (foreign surcharges reimbursed up to $7.00 per month)
Certified Check $10.00
Check Collection Charge $ 5.00
Check Printing Charge Free checks and deposit tickets (certain restrictions on style and quantity)
Coin Counting Free (New Tripoli Bank Customers)
E-Statement Free
Lost or Replacement Debit/ATM Card $ 5.00
Online Banking/Bill Pay Free
Overdraft Protection Transaction Free
Overdraft/NSF Item (Paid or Returned) $30.00 This fee may be imposed for overdrafts by checks, in-person withdrawals, ATM withdrawals, debit card transactions, preauthorized automatic debits, telephone transfers, online banking transactions or other electronic means.
Return Item Charge $12.00
Safe Deposit Box Price varies based on size of box
Signature Guarantee Free (New Tripoli Bank Customers)
Stop Payment $25.00
Stop Payment Renewal $25.00
Telephone Banking (Dial-A-Bank) Free

Extraordinary Charges (include, but are not limited to):

Called Bond $20.00
Cashier's Check $ 5.00
Copy of an Item $ 3.00
Domestic Wire Transfer (outgoing) $20.00
Foreign Wire Transfer (outgoing) $40.00
Incoming Wire Transfer $10.00
Garnishment $100.00
Levy $100.00
Money Order $ 2.50