Variable Rate - The interest rate for your account is  

                                        Rate 1.00%   APY2 1.00%.   

                                      2Annual Percentage Yield

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

Minimum Balance Requirements - You must deposit at least $300 to open this account. To obtain the annual percentage yield disclosed, you must maintain a minimum balance of $300 in the account each day.

Imposition of fees - To avoid the imposition of the service charge you must meet the following requirement. A service charge of $10.001 will be imposed every statement cycle if the balance in the account falls below $300 any day of the statement cycle.

Compounding and Crediting - Interest will be compounded quarterly.  Interest will be credited to your account quarterly. If you close your account before interest is credited, you will not receive the accrued interest.  

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

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).  

The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information please call us at (806) 792-7101 or 1-800-687-2265.  

This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular.  

We reserve the right to at any time require not less than 7 days’ notice in writing before any withdrawal from an interest bearing account.  

There will be a $5.001 service charge imposed each statement cycle to receive a paper statement. To avoid this fee you can sign up to receive free e-statements through online banking.

 The following rates apply to this account:

            Balance                       Interest Rate                              APY2

            $0.00 - $299.99                   0.00%                              0.00%

            $300 & over                        1.00%                                  1.00%





1All fees subject to sales tax in New Mexico. 
2Annual Percentage Yield

**Refer to the Schedule of Fees in the Consumer Deposit Agreement and Disclosures for fees that may apply to your account.**