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  Truth in Savings Disclosure: All Star Club Home
Date: 5/11/2006

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 contact us or visit one of our locations. 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 at any time to require not less than 7 days notice in writing before any withdrawal from an interest-bearing account.

Variable Rate
The interest rate for your account is .50% with an annual percentage yield of .50%. 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.

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

Balance Computation Method
Average Daily Balance Method. We use the average daily balance method to calculate 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 a quarter.

Accrual of Interest on Noncash Deposits
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction Limitations
You may only make 6 preauthorized transfers from your account each statement cycle.

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Any fees disclosed are subject to Iowa Sales Tax.
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