Funds Availability Policy Disclosure

LINCOLN MONEY SAVER
♦ No minimum balance ♦ No monthly service charge ♦ Descriptive monthly statement ♦ No check images
Limitations:  You must deposit $100.00 to open this account.

REGULAR CHECKING
Limitations:  You must deposit $100.00 to open this account.
Account Fees:  If balance falls below $500.00 at any time during the statement cycle a $7.00 monthly service charge will be assessed.

SUPER NOW
Rate Information:  This Account is an interest bearing account. Please ask for current rates. The interest rate and annual percentage yield may change at our discretion. Interest begins to accrue on the business day you deposit 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 to a daily periodic rate to the principal in the account each day.
Limitations:  You must deposit $100.00 to open this account.
Account Fees:  If balance falls below $1,000.00 at any time during the statement cycle a $7.00 monthly service charge will be assessed.

HI FI ACCOUNT (TIERED)
Rate Information:  This Account is a Tiered interest bearing account. Please ask for current rates. The interest rate and annual percentage yield may change, at our discretion. Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly. Minimum Balance to obtain APY: $2,500.
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 $100.00 to open this account.
Account Fees:  If balance falls below $2,500.00 on any day during the statement cycle a $7.00 service charge fee will be assessed.

LINCOLN EXCLUSIVE CLUB (NON-INTEREST BEARING)

♦ 24-Hour Accidental Death Insurance ♦ Three (3) boxes free standard member checks per year ♦ 50% Safe deposit box discount

♦ Two (2) free money orders per month ♦ Credit card protection and other benefits
Limitations:  You must deposit $100.00 to open this account.
Account Fees:  $8.00/month Basic Membership Fee, $9.00/month Membership Fee - Additional Joint Insurance, or $10.00/month Membership Fee - Additional Family Insurance

LINCOLN EXCLUSIVE CLUB 50 (NOW ACCOUNT)

♦ 24-Hour Accidental Death Insurance ♦ Three (3) boxes free standard member checks per year ♦ 50% Safe deposit box discount

♦ Two (2) free money orders per month ♦ Credit card protection and other benefits
Rate Information:  This account is an interest bearing account. Please ask for current rates. The interest rate and annual percentage yield may change, at our discretion.  Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly. Minimum Balance to obtain APY: $0.
Balance Information:  We use the daily balance method to calculate the interest on the account. This method applies to a daily periodic rate to the principal in the account each day.
Limitations:  You must deposit $100.00 to open this account.
Account Fees:  $6.00/month Basic Membership Fee, $7.00/month Membership Fee - Additional Joint Insurance, or $8.00/month Membership Fee - Additional Family Insurance

LINCOLN EXCLUSIVE CLUB (INTEREST BEARING NOW ACCOUNT)

♦ 24-Hour Accidental Death Insurance ♦ Three (3) boxes free standard member checks per year ♦ 50% Safe deposit box discount

♦ Two (2) free money orders per month ♦ Credit card protection and other benefits
Rate Information:  This Account is an interest bearing account.  Please ask for current rates.  The interest rate and annual percentage yield may change, at our discretion. Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly. Minimum Balance to obtain APY: $1,000.
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 $100.00 to open this account.

Account Fees:  If balance falls below $1,000.00 at any time during the statement cycle a $7.00 monthly service charge will be assessed;

$8.00/month Basic Membership Fee, $9.00/month Membership Fee - Additional Joint Insurance, or $10.00/month Membership Fee - Additional Family Insurance

HEALTH SAVINGS ACCOUNT
Rate Information:  This Account is a Tiered interest bearing account. Please ask for current rates. The interest and annual percentage yield may change, at our discretion. Interest begins to accrue on the business day you deposit noncash items (for example, checks).  Interest will be compounded monthly and will be credited to the account monthly. Minimum Balance to obtain APY: $100.
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 $100.00 to open this account.  Account is subject to IRS limitations.
Account Fees:  If balance falls below $100.00 on any day during the statement cycle a $5.00 service charge fee will be assessed.

LINCOLN STUDENT ACCOUNT
♦ No monthly service charge ♦ No minimum balance required ♦ Descriptive monthly statement only ♦ No check images
♦ Four (4) ATM reimbursements per statement cycle
Limitations:  You must deposit $25.00 to open this account. Available to students to age 26. At age 26, customer must change type of account or account will convert to Lincoln Money Saver without ATM reimbursements.
Account Fees:  Customer pays for duplicate checks

LINCOLN’S SECOND CHANCE
♦ No minimum balance required ♦ Unlimited checking ♦ Descriptive monthly statement only ♦ No check images
Limitations:  You must deposit $50.00 to open this account.  ATM card only, for minimum of 6 months, after which customer may then apply for  visa/debit card. Customer may request internet banking after 90 days; however bill pay will not be available for this type of account.
Account Fees:  One time setup fee of $15.00 at account opening. Monthly service charge $10.00 with direct deposit or $15.00 without direct deposit.

DDA DORMANT FEE
Dormant Fee of $10.00 will be assessed monthly if balance falls below $100.00 and account has no activity for 180 days.
ALL CHECKING ACCOUNTS ARE SUBJECT TO DORMANT FEE

ACCOUNT CLOSE FEE
If Account is opened and closed within 30 days, a $30.00 fee will be charged.