“Ahorro Juvenil” Savings Account

Rate Information

The interest rate for your account will be as follows:

Balance	Interest Rate	Annual Percentage Yield (APY)
$ .01 - $999.99	1.500%	1.51%
$1,000.00 - $9,999.99	2.000%	2.02%
$10,000.00 - $24,999.99	2.250%	2.27%
$25,000.00 or more	2.250%	2.27%

Your interest rate and “APY” may change. The interest rate for your account may change at any time at our discretion. Interest begins to accrue on the business day you deposit any non cash items (for example, checks) . Interest on your account will be compounded monthly and will be credited to your account monthly.

Minimum Balance Requirements

You must deposit $100 to open this account. You must maintain the minimum balance of each level in your account every day to obtain the “APY” listed above. In addition, you must maintain a minimum balance of $100 in the account each day of the month to avoid the monthly minimum balance fee.

Balance Computation Method

We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day.

Fee Schedule

Monthly minimum balance fee if the balance drops below $100 any day of the month	$ 1.00
Fee for copies of account statements (per page)	$ 3.00
Fee for computer printouts of account statements (per page)	$3.00
Fee for replacement of ATM card	$ 3.00
Fee for closing the account during the first 180 days	$15.00
Fee for each debit that originates or increases an overdraft	$15.00

Penalty For Account Closing

If you close your account before interest is credited, you will not receive the accrued interest.

This information is correct as of 10/31/2008. To obtain current information on fees, rates, and account terms, you may contact us at 751-7340.