First National of Clarksdale amp; Bank of Oxford

TRUTH-IN-SAVINGS DISCLOSURE

MONEY MARKET ACCOUNT

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 compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees - A service charge fee of $12.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Average daily balance computation method - We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. 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. The period we use is the monthly statement cycle.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations: Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.

COMMON FEATURES
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Replace lost ATM card$5.00
ATM replacement PIN
(personal identification number)
$1.00
ATM cash withdrawal
at ATMs we do not own or operate
$1.00
Check printing(fee depends on style of check ordered)
Cashier's checks 1% of amount purchased
($5.00 minimum, $15.00 maximum)
Money orders$3.00
Traveler's checks$1.00 per $100.00
Overdraft each overdraft paid $30.00
Nonsufficient funds each $30.00
Temporary statement$5.00
Temporary checks$2.00
Account research$15.00 per hour
Stop payments each$30.00
Account closed within six months of opening$10.00
Photocopies $1.50 per copy of check or deposit
Wire transfers
    Outgoing
    Incoming noncustomer
$15.00
$15.00
Safe deposit box rentalvaries by size
Safe deposit box key replacement (1 key)$150.00
Safe deposit box drilled$250.00

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

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