TRIBUTE PLUS ACCOUNT
TIERED NOW ACCOUNT



TIERED NOW ACCOUNT

A minimum deposit of $200 is required to open this account. There are no limitations on the number of deposits or withdrawals that may be made in connection with this account. In that the Tiered Now Account will earn interest, the following applies:
The balance on which interest is calculated is determined by the daily balance method. For earning and paying interest, the time period we use to determine the average is the current statement cycle. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (e.g., checks).

Interest will be compounded monthly and credited monthly. The interest rate paid on this account is established by Kirkpatrick Bank and may change daily. Any change to the interest rate is at our discretion.

If the account is closed before interest is credited, accrued interest will not be paid.

In assessing periodic fees, the account balance is determined using both the daily balance method and the average daily balance method. To avoid periodic fees, a minimum daily balance of at least $1,800 or an average daily balance of at least $2,000 must be maintained during the statement period. If the account balance does not meet one of the balance requirements, then there is a $8.00 monthly maintenance fee.

Complete account disclosures, with current annual percentage yield information, are available upon request.