Oglesby State Bank : Oglesby Texas

Checking & Savings
The following is for information purposes and not a full disclosure. See account representative for full disclosure.

• ADVANTAGE CHECKING
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the average collected daily balance method to calculate the interest on your account. This method applies a periodic rate to the average collected daily balance in the account for the period. The average collected daily balance is calculated by adding the collected principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum balance of $1,000.00 average collected daily balance to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A monthly maintenance fee of $6.00 will be imposed every statement cycle.

• SENIOR ADVANTAGE CHECKING
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the average collected daily balance method to calculate interest on your account. This method applies a periodic rate to the average collected daily balance in the account for the period. The average collected daily balance is calculated by adding the collected principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum balance of $1,000.00 average collected daily balance to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. You must be 50 years of age or more to open this account.

Account Fees: A monthly maintenance fee of $5.00 will be imposed every statement cycle.

• PERSONAL CHECKING ACCOUNT
Limitations: You must deposit $100.00 to open this account.

Account Fees: If you maintain an average daily balance of $500.00 during the statement cycle there is no Service Charge. If your average daily balance falls below $100.00 for the statement cycle, we will impose a monthly maintenance fee of $5.00. If your average daily balance is at least $100.00 for the monthly statement cycle, but falls below $200.00 for the monthly statement cycle, we will impose a monthly maintenance fee of $4.00. If your average daily balance is at least $200.00, but less than $300.00 for the statement cycle, we will impose a monthly maintenance fee of $3.00. If your average daily balance is at least $300.00, but less than $400.00 for the statement cycle, we will impose a monthly maintenance fee of $2.00. If your average daily balance is at least $400.00, but less than $500.00 for the statement cycle, we will impose a monthly maintenance fee of $1.00. 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 following fee applies to this account: Activity Fee: $.15 for each debit in excess of ten (10) during a statement cycle if the average daily balance requirement of $500.00 is not met.

• COMMERCIAL CHECKING
Limitations: You must deposit $100.00 to open this account.

Account Fees: A monthly maintenance fee of $5.00 will be charged each statement cycle. The following fees apply to this account: Float item fee: $.04 per item may be charged. Activity fee: $.10 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account); and Collected Balance Credit: $.02 per $100.00 may be charged.

• NOW ACCOUNT
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Limitations: You must deposit $1,500.00 to open this account.

Account Fees: A monthly maintenance fee of $6.00 will be imposed every statement cycle unless you maintain an average collected daily balance of $1,500.00 for the statement cycle. The following fee applies to this account: Activity Fee: $.15 for each debit item in excess of ten (10) if the average collected daily balance requirement of $1,500.00 is not met.

• INVESTMENT ACCOUNT
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the first business day after you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Limitations: You must deposit $1,000.00 to open this account. You may make six (6) transfers or withdrawals from your account each four (4) week or similar period if made in person, by messenger, by mail or made payable to a third party.

Account Fees: A monthly maintenance fee of $6.00 will be imposed every statement cycle if the average collected daily balance falls below $1,000.00 for the cycle.

• MONEY MARKET ACCOUNT
Rate Information: This account is an interesting bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, telephone (including data transmission) agreement, order or instruction, or by check or draft, made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger or by mail are unlimited.

Account Fees: A monthly maintenance fee of $6.00 will be imposed every statement cycle if the average collected daily balance falls below $2,500.00 for the cycle.

• STATEMENT SAVINGS
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the average collected daily balance to calculate interest on your account. This method applies a periodic rate to the average collected daily balance in the account for the period. The average collected daily balance is calculated by adding the collected principal in the account for each day of the period and dividing that figure by the number of days in the period.

Limitations: You must deposit $100.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, telephone (including data transmission) agreement, order or instruction, or by check or draft, made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger or by mail are unlimited.
Account Fees: a maintenance fee of $3.00 will be imposed every quarterly statement cycle if the average collected daily balance falls below $100.00 for the cycle. The following fee applies to this account: Activity Fee: $1.00 will be charged for each debit in excess of three (3) per quarterly statement cycle.

• LOOK TO THE FUTURE SAVINGS
Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.

Limitations: You must deposit $25.00 to open this account. You must be 25 years of age or less and a full-time student to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, telephone (including data transmission) agreement, order or instruction, or by check or draft, made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, or by mail are unlimited.