Account Disclosures
This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

Checking Accounts

Business Checking
Limitations: You must deposit $100.00 to open this account.

The Bank will calculate an Earnings Credit to be applied towards the Maintenance Fee and Check Fee. The Earnings Credit will be .10% of the Average Collected Balance in the account for the month. For example, if the Earnings Credit calculated is more than the Maintenance Fee and Check Fee, the account will not be charged. If the Earnings Credit calculated is less than the Maintenance Fee and Check Fee, the account will be charged the difference between the Earnings Credit and the total Fees. The Monthly Maintenance Fee is $3.00, the Check Fee for each check posted is $.20.

Business Checking 200
Business Checking 200 is designed for businesses with lower transaction volume and, typically, lower average balances. Your first 200 items are free and any over this amount are $.25 per item. Items include deposits and credits, deposited items, debits and checks written. We do not count ACH activity. Should your account have a fee assessed, you will receive a second statement showing your item activity and total fees charged.

Analyzed Business Checking
Analyzed Business checking is the account for the larger businesses wanting to offset their greater activity with a higher earnings credit. You will receive a monthly account analysis statement providing details of your activity, services and fees, if any. We do not count ACH activity. Additional services available including Cash Management On Line products.

Basic Personal Checking Account
Limitations: You must deposit $50.00 to open this account.
Account Fees: The following fees apply to this account: Debit Card - $10.00 per year. Dormancy Fee - $3.00 per month after 6 months of inactivity.

Regular Checking Account
Limitations: You must deposit $50.00 to open this account.

Account Fees: The Monthly Minimum Balance required to avoid a Service Charge is $350.00 any day of the month. The Monthly Maintenance Fee is $6.00, the Check Fee for each check posted is $.20.

NOW Account
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account.

Account Fee: The Monthly Minimum Balance required to avoid a Service Charge is $500.00 any day of the month. The Monthly Maintenance Fee is $7.50, the Check Fee for each check posted is $.12.

Money Market Accounts

Pacesetter Money Market
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Ratesheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

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.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, or similar order, made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, or by mail are unlimited.

Account Fees: The Monthly Minimum Balance required to avoid a Service Charge is $1,000.00 any day of the month. The Monthly Maintenance Fee is $10.00, the Check Fee for each check posted is $.12.

Premier Money Market Account
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Ratesheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

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.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, or similar order, made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, or by mail are unlimited.

Account Fees: The Monthly Minimum Balance required to avoid a Service Charge is $1,000.00 any day of the month. The Monthly Maintenance Fee is $10.00, the Check Fee for each check posted is $.12.

Time Deposit Accounts

Statement Savings Account
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

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 $50.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $50.00 to open this account. You may make six (6) transfers from your account each four (4) weeks or similar period, if by preauthorized or automatic transfer, or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: A Monthly Minimum Balance of $100.00 must be maintained to avoid the Monthly Maintenance Fee of $3.00. These fees are waived for minors under 18 years.

Holly-Days Savings Club Account
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included on the Ratesheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded annually and will be credited to the account at maturity. If the account is closed before interest is credited you will not receive the accrued interest. At the end of the club account period, the funds in the account can be deposited directly into another account at The Baraboo National Bank or mailed to you by check.

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 $10.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $10.00 to open this account. You may not make any withdrawals from your account prior to the maturity date. If you must make a withdrawal from your account, the account will be closed and you will not receive any accrued interest.

Certificates of Deposit

91 Days up to 182 Days Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 91 days up to 182 days, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

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 $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 91 days to 182 days, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 30 days interest on the amount withdrawn for a Time Deposit with a term of at least 32 days up to and including one year. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

182 Days up to 365 Days Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 182 days up to 365 days, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

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 $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 182 days to 365 days, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 30 days interest on the amount withdrawn for a Time Deposit with a term of at least 32 days up to and including one year. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

12 Months up to 24 Months Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months up to 24 months, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

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 $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 12 months up to 24 months, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 30 days interest on the amount withdrawn for a Time Deposit with a term of at least 32 days up to and including one year; for a Time Deposit with a term of more than one year, 90 days interest on the amount withdrawn. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

24 Months up to 36 Months Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months up to 36 months, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

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 $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 24 months up to 36 months, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 90 days interest on the amount withdrawn for a Time Deposit with a term of more than one year. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

36 Months or More Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 months or more, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

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 $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 36 months or more, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 90 days interest on the amount withdrawn for a Time Deposit with a term of more than one year. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

IRAs

IRA - 12 Months up to 24 Months Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months up to 24 months, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

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 $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may make additional deposits during the ten day grace period after maturity. Your deposit may not be withdrawn prior to the maturity date in part or in full without the consent of the Bank.

Time Account Information: Your account will mature in 12 months up to 24 months, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 90 days interest on the principal withdrawn in addition to any accrued, uncredited interest. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

IRA - 24 Months up to 36 Months Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months up to 36 months, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

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 $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may make additional deposits during the ten day grace period after maturity. Your deposit may not be withdrawn prior to the maturity date in part or in full without the consent of the Bank.

Time Account Information: Your account will mature in 24 months up to 36 months, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 90 days interest on the principal withdrawn in addition to any accrued, uncredited interest. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

IRA - 36 Months or More Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 months or more, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

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 $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may make additional deposits during the ten day grace period after maturity. Your deposit may not be withdrawn prior to the maturity date in part or in full without the consent of the Bank.

Time Account Information: Your account will mature in 36 months or more, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 90 days interest on the principal withdrawn in addition to any accrued, uncredited interest. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

IRA- 18 Month Variable Rate Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

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 $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Your deposit may not be withdrawn prior to the maturity date in part or in full without the consent of the Bank.

Time Account Information: Your account will mature in 18 months. If you withdraw any of the principal before the maturity date we may impose a penalty of 90 days interest on the principal withdrawn in addition to any accrued, uncredited interest. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.




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