Closed Savings Products

Hallmark Account (1)

Interest is variable on 7 days notice for all the above accounts.

(1) Withdrawals are not permitted during the 90 day notice period. 25% may be withdrawn without
     penalty provided there have been no withdrawals in the previous 90 days.

AER: Annual Equivalent Rate which illustrates what the interest rate would be if interest was paid and compounded annually.