Truth in Savings Account Disclosure – Caché Savings Account – You get to pick your payout month!

Rate Information – Your interest rate and annual percentage yield may change.
Frequency of rate changes – We may change the interest rate on your account at any time.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will be credited at maturity (Payout date).
Minimum balance to open the account – You must deposit $.01 to open this account.
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $.01 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 noncash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:

• You may make unlimited deposits into your account.
• You may not make withdrawals of principal from your account before maturity. You cannot withdraw interest from your account before maturity. If any withdrawal is made from this account before maturity then this account will be closed.
• Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
• Early withdrawal/closeout fee – $5.00 penalty will be charged to accounts closed prior to the stated annual payout date.
• Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)

If your account has an original maturity of one year or less:

• • • • The fee we may impose will be the greater of seven days earnings or the accrued interest on the account that has not been credited.<
      • In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
      • For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.

Maturity date– An annual payout month is selected by the customer at the time of the account opening. Payouts are completed on the first Monday after the 5th of the month. If the first Monday is a legal holiday the payout will be on the first Tuesday after the 5th of the month.

Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal by not making any deposits to the account within 30 days following maturity. If you prevent renewal, interest will not accrue after final maturity.

Other fees: There is No Fee for direct deposits to another account at InFirst Bank. Funds disbursed automatically at maturity via check will be charged a $2.00 check processing fee.

Inactivity and Dormant Fees apply reference fee schedule