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18 May 2011
CERTIFICATE OF DEPOSIT DISCLOSURE
THE STATE BANK OF HILDRETH, Hildreth, Nebraska
INQUIRIES, CALL: (308)938-2155
You will be paid the 9 month interest rate until the maturity date of the certificate. Your certificate will mature in nine monthes. The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal of interest before maturity will reduce earnings. Interest begins to accrue on the calendar day you purchase the certificate. Interest will be paid quarterly by adding interest to your balance.
Minimum Balance Requirements:
The minimum deposit required to purchase a certificate is $500.00
Balance Computation Method:
We will use the daily balance method to calculate the interest on your certificate. This method applies a daily periodic rate to the principal balance of your certificate for each calendar day.
After your certificate is purchased, you may not make additional deposits to the certificate; however, you may make early withdrawals before the maturity of the certificate, but you will be subject to the early withdrawal penalty described below.
Early Withdrawal Penalty:
In case of the depositor's death or determination of legal incompetence by a court or other administrative body, we will honor a request for the early withdrawal prior to maturity without penalty. On all other early withdrawals, there will be an early withdrawal penalty equal to 7 days simple interest at the contract rate on the amount withdrawn if the early withdrawal is within the first six calendar days from the date of deposit. If the early withdrawal is after the first six calendar days but before maturity, the early withdrawal penalty on the amount withdrawn will be equal to (a) one month's simple interest at your certificate's current rate for certificates with an original maturity of one year or less or (b) three month's simple interest at your certificate's current rate for certificates with an original maturity of over one year.
Your certificate will automatically renew at maturity. You have a grace period of ten calendar days after the maturity date to withdraw the funds without being charged a penalty. The interest rate applied to your certificate for the grace period will be the interest rate earned immediately prior to the maturity of the certificate. If the grace period ends on a non-business day, the grace period will be extended to the next business day.