Regular Savings Account

 Earns dividends daily  Dividends posted quarterly Regular Savings  $5000 & more Account earns 1.25%  $5000 & less earns 1%

 No minimum balance Club Accounts  $5 to open  $0.01 to keep open

 $5 minimum to open  Newsletter mailed quarterly Captain Cash  Special events just Account for them  12 years old & younger  Branch  Mail Deposits  Direct Deposit  Night Drop  Payroll Deduction

 $500 limit @ ATM Express Card  $1000 limit for POS transactions

MAC Card  $200 limit @ ATM  No Monthly Fee  No minimum balance CareFREE  Open with $0.00 Checking  Does not earn dividends

 $2000 minimum balance  Earns dividends Gold Checking  $10 monthly fee if balance drops below $2000

 No minimum balance  No monthly fee  Earns dividends Premium  Free basic checks Checking  Must have 3 services with aggregate monthly balance of $40k  No monthly fee  Free basic checks Preferred  Must be 50 or older Checking to qualify

 $2000 minimum balance  Must be 50 or older to qualify Superior  $10 monthly fee if Checking balance drops below $2000  Earns dividends

 MoneyWeb  Bill Pay  DAISY  Contact Center 7 FREE Services  Unlimited check writing  Alliance One  Free Express Card Premium  One per household Checking

 Member is still in good standing  Can be overdrawn Platinum up to -$500 Overdraft  Employees not eligible

 Regular Savings Account Share Account  $5 to open  This opens your membership  Dividends earned daily & posted quarterly  Rates can be Share Certificate printed & given to member  91 days to 5 year terms  AKA “CD”  Dividends earned daily & posted at maturity  $2500 minimum to 3 & 6 Month open Share Certificate  Good for mbrs who have planned purchase

 Three services  Aggregate balance of $40k  Eligible for Relationship Premium Checking Rewards  Various free services  Special offers  No minimum balance  Dividends earns based on balance Money Market  3 withdraws per mo  3 checks per mo.  $500 minimum withdraw by check

 Deposited to the share certificate  Deposited to another account Share Certificate  Check mailed to Dividends member if CD balance is over $10k

 $250 minimum to open  Members can Easy Save deposit money into Certificate the CD as needed  1 year term  Letter sent 10 days before CD matures  Mbr has 10 days after CD matures to CD Maturity make changes  No action, rolls into same CD @ the current term

 Representatives Grael Barker & Jeff Members Simmons Financial  Offer workbooks, Services calculators, IRAs, pensions, financial seminars, & more

 Federally Insured up to $100k  Dividends paid Share Certificates higher than a savings account  Penalties for early withdraw  Members who have no time to shop  Member pays fee Members Leasing  Member can lease & Sales or purchase the vehicle

 RCV or DIS $10,000.01 or more Currency in cash Transaction  15 days to file Report (CTR)  Reported to IRS  Member is aware of this

 Warranty for new or used vehicles Mechanical  No loan required Breakdown  Available in four Protection different levels  Only offered on auto loans  Covers the cash value & what Ins. Co pays  Minimal cost of Guaranteed Auto $225 Protection (GAP)  Only offered on auto loans

 Updated daily  May not be printed Real Estate Rates & given to member

 Updated monthly  May not be printed Auto Rates & given to member

 No dollar amount  30 days to file  Do not inform mbr Suspicious  Can be filed on Activity Report employees (SAR)  Anytime a mbr is doing something suspicious

 Found on bottom of member’s checks Share Draft  Membership Conversion Details page Number  Usually begins with 736010

 Free if mbr is a victim of fraud  On ACH or Check Stop Payment  Free if mbr has Premium Checking  $24 fee  First $100 available to member  Local vs. Non Local  Routing number Check Holds  Not on cash, ACH’s Direct Deposit, L&N items, US Postal MO’s, government items  Helps by creating a paper trail  CTR  Investigates money Bank Secrecy Act laundering, terrorist (BSA) financing & tax evasion  SAR

 Available on all L&N loans  Pays members Life Insurance loan balance if mbr passes away  Available on all L&N loans  Pays members payment while mbr Disability is disabled Insurance  Short term or long term

 Money can be loaned out  Investments can be made Benefits of Share  Operating Certificates expenses paid  Higher dividends paid to members

 $1000 minimum to open  Dividends earned 1 to 5 Year daily & paid Share Certificates quarterly  Less money required to open  $500 minimum to open  Dividends earned daily & paid Youth Share quarterly Certificate  Less money required to open  17 or younger to open

 Short term  Low risk  Higher dividends Money Market than savings, less Accounts than CD  Unlimited deposits  No maturity date

 Applies to checking accounts only  Regulation the correct application Regulation CC of check holds  Limits CU loss from taking ‘bad” checks Concentration Concentration

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