Moody National Bank

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Moody National Bank offers several types of checking accounts designed to meet your individual needs. From a CHEX+ Checking Account to a Century II Mondy Market Account, Moody has a product geared for the level of balances or check writing activity your life-style demands.

Regular Checking Account	Money Market Account
CHEX+ Checking Account	Century II Money Market Account
Century II Checking Account

Regular Checking Account

Regular checking
account
information:

No minimum deposit to open
No minimum balance required
No monthly service charge
Other fees may apply - see Consumer Fee Schedule.

CHEX+ Checking Account

Rate information:	Your interest rate and annual percentage yield may change.
Frequency of rate change:	We may change the interest rate on your account at any time.
Determination of rate:	At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency:	Interest will be compounded and credited to your account monthly.
Minimum balance to open the account:	You must deposit $1,500.00 to open this account.
Minimum balance to avoid imposition of fees:	A service charge fee of $10.00 will be imposed every month if the balance in the account falls below $1,500.00 any day during the monthly statement cycle.
Minimum balance to obtain the annual percentage yield disclosed:	No minimum balance required to obtain the annual percentage yield disclosed.
Average daily balance computation method:	We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits:	Interest begins to accrue no later than the business day you deposit noncash items (for example, checks).
Fees:	A per item fee of $.12 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if the balance in the account falls below $1,500.00 any day during the monthly statement cycle. Other fees may apply - see Consumer Fee Schedule.

Century II Checking Account

Rate information:	Your interest rate and annual percentage yield may change.
Frequency of rate change:	We may change the interest rate on your account at any time.
Determination of rate:	At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency:	Interest will be compounded and credited to your account monthly.
Minimum balance to open the account:	You must deposit $25,000.00 to open this account.
Minimum balance to avoid imposition of fees:	A service charge fee of $25.00 will be imposed every month if the balance in the account falls below $25,000.00 any day during the monthly statement cycle.
Minimum balance to obtain the annual percentage yield disclosed:	No minimum balance required to obtain the annual percentage yield disclosed.
Average daily balance computation method:	We use the average daily balance computation method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits:	Interest begins to accrue no later than the business day you deposit noncash items (for example, checks).
Additional account features:	Traveler's checks are issued free of charge. First year's rental on one safe deposit box discounted 50% (subject to availability). Free ATM/Debit Card.
Fees:	Other fees may apply - see Consumer Fee Schedule.

Money Market Account

Rate information:	Your interest rate and annual percentage yield may change. The tiered rate structure is based on the average daily balance in the account as follows: $0 - 24,999 $25,000 - 49,999 $50,000 - 99,999 $100,000 - 999,999 $1,000,000 or more
Frequency of rate change:	We may change the interest rate on your account at any time.
Determination of rate:	At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency:	Interest will be compounded and credited to your account monthly.
Minimum balance to open the account:	You must deposit $2,500.00 to open this account.
Minimum balance to avoid imposition of fees:	A service charge fee of $10.00 will be imposed every month if the balance in the account falls below $2,500.00 any day during the monthly statement cycle.
Minimum balance to obtain the annual percentage yield disclosed:	You must maintain a minimum average daily balance based on the tiered rate structure to obtain the disclosed annual percentage yield.
Average daily balance computation method:	We use the average daily balance computation method to calculate the interest on your account. This method applies a periodic interest rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual in interest on noncash deposits:	Interest begins to accrue no later than the business day you deposit noncash items (for example, checks).
Transaction limitations:	Transfers and withdrawals from a Money Market account to another account or to a third party by pre authorized, automatic, computer or telephone transfer. or by check, draft, debit card or similar order, are limited to six per monthly statement cycle. Transactions in excess of six during the monthly statement cycle will be returned, reversed or otherwise prohibited from occurrence.
Fees:	A per item fee of $10.00 will be charged for each returned debit in excess of six per monthly statement. Other fees may apply - see Consumer Fee Schedule.

Century II Money Market Account

Rate information:	Your interest rate and annual percentage yield may change.
Frequency of rate change:	We may change the interest rate on your account at any time.
Determination of rate:	At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency:	Interest will be compounded and credited to your account monthly.
Minimum balance to open the account:	You must deposit $100,000.00 to open this account.
Minimum balance to avoid imposition of fees:	A service charge fee of $25.00 will be imposed every month if the balance in the account falls below $100,000.00 any day during the monthly statement cycle.
Minimum balance to obtain the annual percentage yield disclosed:	No minimum balance required to obtain the annual percentage yield disclosed.
Average daily balance computation method:	We use the average daily balance computation method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual in interest on noncash deposits:	Interest begins to accrue no later than the business day you deposit noncash items (for example, checks).
Transaction limitations:	Transfers and withdrawals from a Century II Money Market account to another account or to a third party by pre authorized, automatic, computer or telephone transfer, or by check, draft, debit card or similar order, are limited to six during the monthly statement cycle. Transactions in excess of six during the monthly statement cycle will be returned, reversed or otherwise prohibited from occurrence.
Fees:	A per item fee of $10.00 will be charged for each returned debit in excess of six per monthly statement cycle. Other fees may apply - see Consumer Fee Schedule.

New Service
Overdraft Protection Sweep

Your checking account can be linked to your savings account or another checking account to insure your checks are covered with sufficient funds for payment. Contact your nearest Branch for more details.