Rate information - The interest rate on your Christmas Club account is 0.90% with an annual percentage yield (APY) of 0.90%. You will be paid this rate until maturity date of October 31, 2015. The interest rate is fixed until maturity. The stated annual percentage yield (APY) assumes interest remains on deposit until maturity.

Compounding frequency - Interest is compounded monthly. Interest will be credited into this account at maturity. If you close your account before interest is credited, you will not receive the accrued interest.

Balance information - There is a $10 minimum balance to open the account; there is no minimum balance required to avoid imposition of a fee or to obtain the annual percentage yield disclosed.

Average daily balance computation method - Interest is calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.

Maturity Date - The Maturity Date is October 31, 2015. The account is non-renewable, non-negotiable and nontransferable. Interest will not be paid after maturity.

Transaction Limitations - any number of deposits can be made during the term of the account; total aggregate dollar amount in deposits to the account during any calendar month may be no more than $1,000. No withdrawals may be made prior to maturity.

Date Interest begins to Accrue - Interest will begin to accrue on the business day following the day of your non-cash deposit into the account.

Effect of closing your account - There will be an early withdrawal penalty equal to seven days’ interest on the amount withdrawn within the first seven days after opening date. No accrued interest will be paid if the account is closed prior to maturity.