First National of Clarksdale amp; Bank of Oxford

TRUTH-IN-SAVINGS DISCLOSURE

REGULAR SAVINGS 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 quarter. Interest will be credited to your account every quarter.

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 $100.00 to open this account.

Minimum balance to avoid imposition of fees - A service charge fee of $5.00 will be imposed every month if the balance in the account falls below $100.00 on any day of the month.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $100.00 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 no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations: Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

Fees: A transaction fee of $3.00 will be charged for each debit transaction in excess of two per month.

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
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


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