Advantage Savings Disclosure


Florida Content

This disclosure contains the rules which govern your deposit account.  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 call us at 502-584-3600 or toll free, 1-888-584-3600. In Florida, please call 888-709-2500.  We reserve the right at any time to require not less than seven days notice in writing before any withdrawal from any interest bearing account.  If your account is not already a MMDA, a portion of your account balance may be classified as a MMDA for regulatory purposes.  This classification will not affect the terms, interest rate, or fees contained in this Disclosure.

Rate Information
The interest rate and annual percentage yield for our account depend upon the applicable rate tier.  The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account

BalanceRateAPY*

Minimum Opening Deposit Requirements
To open this account you must deposit at least $5,000.00.

Compounding and Crediting
Interest will be compounded daily and paid monthly. If you close your account before interest is credited, you will receive the accrued interest.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

$2 Account inquiry
$10 Cashier's check
$12 Chargeback
$3 Paper Statement Fee (per statement)
VAR Withdrawal/Deposit Ticket Order

After 18 months of inactivity your account will be classified as dormant and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Additional Disclosure Terms
Six free withdrawals per month, $5 per additional withdrawal.

A $10 Below Balance Fee will be imposed every month if the balance in theaccount falls below $5,000 any time during that month.

Kentucky/Indiana Content

This disclosure contains the rules which govern your deposit account.  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 call us at 502-584-3600 or toll free, 1-888-584-3600. In Florida, please call 888-709-2500.  We reserve the right at any time to require not less than seven days notice in writing before any withdrawal from any interest bearing account.  If your account is not already a MMDA, a portion of your account balance may be classified as a MMDA for regulatory purposes.  This classification will not affect the terms, interest rate, or fees contained in this Disclosure.

Rate Information
The interest rate and annual percentage yield for our account depend upon the applicable rate tier.  The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account

BalanceRateAPY*

Minimum Opening Deposit Requirements
To open this account you must deposit at least $5,000.00.

Compounding and Crediting
Interest will be compounded daily and paid monthly. If you close your account before interest is credited, you will receive the accrued interest.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

$2 Account inquiry
$10 Cashier's check
$12 Chargeback
$3 Paper Statement Fee (per statement)
VAR Withdrawal/Deposit Ticket Order

After 18 months of inactivity your account will be classified as dormant and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Additional Disclosure Terms
Six free withdrawals per month, $5 per additional withdrawal.

A $10 Below Balance Fee will be imposed every month if the balance in theaccount falls below $5,000 any time during that month.

Minnesota Content

This disclosure contains the rules which govern your deposit account.  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 call us at 502-584-3600 or toll free, 1-888-584-3600. In Florida, please call 888-709-2500.  We reserve the right at any time to require not less than seven days notice in writing before any withdrawal from any interest bearing account.  If your account is not already a MMDA, a portion of your account balance may be classified as a MMDA for regulatory purposes.  This classification will not affect the terms, interest rate, or fees contained in this Disclosure.

Rate Information
The interest rate and annual percentage yield for our account depend upon the applicable rate tier.  The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account

BalanceRateAPY*

Minimum Opening Deposit Requirements
To open this account you must deposit at least $5,000.00.

Compounding and Crediting
Interest will be compounded daily and paid monthly. If you close your account before interest is credited, you will receive the accrued interest.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

$2 Account inquiry
$10 Cashier's check
$12 Chargeback
$3 Paper Statement Fee (per statement)
VAR Withdrawal/Deposit Ticket Order

After 18 months of inactivity your account will be classified as dormant and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Additional Disclosure Terms
Six free withdrawals per month, $5 per additional withdrawal.

A $10 Below Balance Fee will be imposed every month if the balance in theaccount falls below $5,000 any time during that month.

Tennessee Content

This disclosure contains the rules which govern your deposit account.  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 call us at 502-584-3600 or toll free, 1-888-584-3600. In Florida, please call 888-709-2500.  We reserve the right at any time to require not less than seven days notice in writing before any withdrawal from any interest bearing account.  If your account is not already a MMDA, a portion of your account balance may be classified as a MMDA for regulatory purposes.  This classification will not affect the terms, interest rate, or fees contained in this Disclosure.

Rate Information
The interest rate and annual percentage yield for our account depend upon the applicable rate tier.  The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account

BalanceRateAPY*

Minimum Opening Deposit Requirements
To open this account you must deposit at least $5,000.00.

Compounding and Crediting
Interest will be compounded daily and paid monthly. If you close your account before interest is credited, you will receive the accrued interest.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

$2 Account inquiry
$10 Cashier's check
$12 Chargeback
$3 Paper Statement Fee (per statement)
VAR Withdrawal/Deposit Ticket Order

After 18 months of inactivity your account will be classified as dormant and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Additional Disclosure Terms
Six free withdrawals per month, $5 per additional withdrawal.

A $10 Below Balance Fee will be imposed every month if the balance in theaccount falls below $5,000 any time during that month.

Ohio Content

This disclosure contains the rules which govern your deposit account.  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 call us at 502-584-3600 or toll free, 1-888-584-3600. In Florida, please call 888-709-2500.  We reserve the right at any time to require not less than seven days notice in writing before any withdrawal from any interest bearing account.  If your account is not already a MMDA, a portion of your account balance may be classified as a MMDA for regulatory purposes.  This classification will not affect the terms, interest rate, or fees contained in this Disclosure.

Rate Information
The interest rate and annual percentage yield for our account depend upon the applicable rate tier.  The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account

BalanceRateAPY*

Minimum Opening Deposit Requirements
To open this account you must deposit at least $5,000.00.

Compounding and Crediting
Interest will be compounded daily and paid monthly. If you close your account before interest is credited, you will receive the accrued interest.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

$2 Account inquiry
$10 Cashier's check
$12 Chargeback
$3 Paper Statement Fee (per statement)
VAR Withdrawal/Deposit Ticket Order

After 18 months of inactivity your account will be classified as dormant and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Additional Disclosure Terms
Six free withdrawals per month, $5 per additional withdrawal.

A $10 Below Balance Fee will be imposed every month if the balance in theaccount falls below $5,000 any time during that month.

Northern Kentucky Content

This disclosure contains the rules which govern your deposit account.  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 call us at 502-584-3600 or toll free, 1-888-584-3600. In Florida, please call 888-709-2500.  We reserve the right at any time to require not less than seven days notice in writing before any withdrawal from any interest bearing account.  If your account is not already a MMDA, a portion of your account balance may be classified as a MMDA for regulatory purposes.  This classification will not affect the terms, interest rate, or fees contained in this Disclosure.

Rate Information
The interest rate and annual percentage yield for our account depend upon the applicable rate tier.  The interest rate and annual percentage yield for these tiers may change at our discretion. Rates may change at any time.

Rate Tiers That May Affect This Account


Minimum Opening Deposit Requirements
To open this account you must deposit at least $5,000.00.

Compounding and Crediting
Interest will be compounded daily and paid monthly. If you close your account before interest is credited, you will receive the accrued interest.

Balance Computation Method
We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Interest is compounded daily.

Accrual of Interest on Non-Cash Deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Charges which may be applied to this account

$2 Account inquiry
$10 Cashier's check
$12 Chargeback
$3 Paper Statement Fee (per statement)
VAR Withdrawal/Deposit Ticket Order

After 18 months of inactivity your account will be classified as dormant and will be charged a monthly dormant fee if your account balance is less than $1,000.
 

Additional Disclosure Terms
Six free withdrawals per month, $5 per additional withdrawal.

A $10 Below Balance Fee will be imposed every month if the balance in theaccount falls below $5,000 any time during that month.