CHRISTMAS CLUB DISCLOSURE OF ACCOUNT TERMS

Interest will be compounded daily and credited to your account annually.

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account.

Current interest rates can be obtained by calling 573-392-3381 or 573-378-5464.

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the balance in the account each day.

Interest begins to accrue from the business day of deposit.

Minimum deposit to open account is $20.00

The balance of your account will be mailed to you automatically by October 31st.

You may not make withdrawals from this account.

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