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Savings Rates

Remember when Bank's used pay competitive rates on savings accounts? We do! All of our savings products have convenience of periodic statements mailed directly to your home. No more bringing requirements of bring in a passbook to be updated with all recent transactions. Savings accounts have quarterly account statements (Monthly statements with electronic transactions).

Emerald Prime Saving (Consumer Accts only)
Designed as long-term, worry free savings, Emerald's Prime Savings pays you a guaranteed rate of at least Wall Street Journal (WSJ) Prime Rate Minus 3.00%. (Current Rate). No more going from Bank-to-Bank across the city playing the promotional deposit rate game, put your savings with Emerald Bank and forget it. Your rate is guaranteed not for 30, 60, or even 180 days, the rate on your account is guaranteed for life to always be at least WSJ Prime Rate minus 3.00%. Are you worried about locking in a rate at other institutions when rates could change in your favor? With the variable and guaranteed indexed features of this account, no more worrying or needless efforts to monitor when your teaser rate periods expire. Open yours today and experience the Emerald Difference! Sorry, No ATM Access on this one!
	Interest Rate Calculation: Indexed to Prime Rate minus 3.00% (Current Rate 1.05% / 1.05% APY*)
	Rate Change Frequency: Daily as Prime Changes per WSJ
	Minimum Balance to Open: $500.00
	Minimum Balance to Avoid Service Charge: $500.00
	Service Charge, if below Mist. Bat.: $5.00/Month
	Minimum Balance to Earn Interest: $500.00
	Interest Paid: Quarterly (Calendar Basis)
	Interest Compounded: Daily
	Interest Calculation: Based on current daily balance
	Effect of closing before interest paid: Loss of all accrued interest
	Early Closure Fee within 90 Days: $50.00
	ATM/Debit Card Access: No
	Transaction Limitations: Account transfers/withdraws limited to six (6) per Month
	Statement Frequency: Quarterly or Monthly if any Reg. E transaction

Emerald Savings Account
This interest-bearing savings account (Current Rate) offers you everything you need to start building your financial future. With a low minimum balance of only $100.00 to avoid a monthly service fee, these accounts are for everyone.
	Minimum to open: $50.00
	Minimum balance fee: $5.00
	Must maintain minimum balance of $100.00 to avoid fee
	Minimum balance to earn interest: $100.00
	Simple interest accrual credited quarterly
	Transaction limitations
	Transfers from Savings limited to six(6) per statement cycle.
	Excessive transaction fee of $1.00 for each occurrence after six (6)
	Forfeiture of accrued interest if account is closed before interest is credited

Emerald Holiday Account
Looking for an easy way to handle all those expenses that seem to pop up around the holidays? With an Emerald Holiday Savings Account, you can systematically save on a per pay, per week, or monthly basis towards a debt-free holiday season. In early November of each year, Emerald Bank will forward the balance in your account plus interest (Current Rate) directly to you.
	Minimum to open: $50.00
	Interest will not be compounded, interest will be credited every quarter
	Transfers from Savings limited to six (6) per statement cycle.
	A per item withdrawn fee of $3.00 will be charged for each withdrawal between Jan, 1 and Oct. 15 each year
	Interest options include monthly check, monthly transfer, or compounding
	No ATM or Debit card access for this account
	Forfeiture of accrued interest If account is closed before interest is credited.

Emerald Kids Savings Account
Developed for minors, this account has no minimum balance requirement or service fee until the account holder turns 18 years old. By starting an Emerald Children's Savings account, your child will start learning the importance of lifetime savings (Current Rate).
	Minimum to open $1.00
	Interest will be compounded every quarter. Interest will be credited to your account every quarter.
	Forfeiture of accrued interest if account is closed before interest is credited
	No ATM or Debit card access for this account

Emerald Health Savings Account
Developed to comply with Federal HSA requirements with a qualified health insurance program. (Current Rate).
	Minimum to open $50.00
	Minimum balance fee: $2.00
	Must maintain minimum balance of $3,000.00 to avoid fee
	Limited ATM access for this account

This information is not intended to be a comprehensive disclosure statement. For complete account information, please contact a Customer Service Representative. All certificates, including Individual Retirement Accounts carry penalties for early withdrawal.

*APY is annual percentage yield, Subject to maximum interest rate on this account of 7.00%. Current Rate disclosed effective 5/6/09.

Emerald Bank, Member FDIC. Equal Housing Lender

Emerald Bank • p: 614.793.4631 • f: 614.793.8922 • e: eblink@EmeraldBank.com
6215 Perimeter Drive • Dublin, Ohio 43017

Emerald Prime Saving (Consumer Accts only)

Emerald Savings Account

Emerald Holiday Account

Emerald Kids Savings Account

Emerald Health Savings Account