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Statement Savings 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: There is no minimum deposit to open an account. You must maintain a daily balance of $20.00 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.

Transaction Limitations: Transfers from a Statement Savings Account to another account or to third parties by pre-authorized, automatic, telephone or online banking transfers are limited to six per monthly cycle with no transfers by check, draft, debit card or similar order to third parties.

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