(1) ADVANTAGE CD SPECIAL
Rate Information: This Account is an interest bearing account. The interest rate on the account is 3.80% with an annual percentage yield of 3.85%. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 13 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. If this account is used as an IOLTA Trust Account, then Interest (less applicable fees and service charges) will be sent to the Nebraska Lawyers Trust Account Foundation. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.
Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. Principal may be withdrawn once per calendar month with a required $1,000 minimum withdrawal. A $1,000 minimum balance is required to keep the account open. All funds will be withdrawn from this account if the account balance falls below $1,000.
Time Account Information: Your account will mature in thirteen (13) months. If you withdraw any of the principal before the maturity date, we may impose a penalty of nine (9) months interest on the amount withdrawn if the withdrawal is made within the first six (6) days after a deposit, or other partial withdrawal, or in excess of one (1) withdrawal per month, or if balance drops below $1,000. If the account is closed before interest is credited, you will not receive the accrued interest. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.