Rate Information – At our discretion, we may change the interest rate on your account. Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account every month. Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account – You must deposit $25,000.00 to open this account. Minimum balance to avoid imposition of fees – A maintenance fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $25,000.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $25,000.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older. LNB ATM Foreign Transaction fee $2.00.

Rate Information – Determination of rate – At our discretion, we may change the interest rate on your account. Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account every month. Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account – You must deposit $2,500.00 to open this account. Minimum balance to avoid imposition of fees – A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older. LNB ATM Foreign Transaction fee $2.00.

Lyons Cub Account Disclosure: Determination of rate – At our discretion, we may change the interest rate on your account. Compounding and crediting frequency – Interest will be compounded every day. Interest will be credited to your account annually.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account – You must deposit $0.01 to open this account. Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). 

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Rate Information – You will be paid interest based on tiers. See New Account Rate Sheet under Health Savings Account Product: Minimum balance to open the account – No minimum deposit is required to open this account. This Account is an interest bearing account. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change at the Bank’s discretion at any time. Compounding frequency – Interest will be compounded daily and will be credited to your account every month. Effect of closing an account – if you close your account before interest is credited you will not receive the accrued interest. Minimum balance to obtain the annual percentage yield disclosed – A minimum balance of $1.00 must be maintained in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method – we use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principle in the account each day. 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). Account Fees: There is no monthly maintenance fee on this account. Funds Access: You may withdraw funds from this account in person at any LNB branch location, by check, ACH Debit, ATM or Point of Sale Debit Transactions or other electronic means.A $2.00 mailing fee for paper periodic statements will be waived when the primary account holder meets the age requirement of 55 years or older.