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JUNIOR STATEMENT SAVINGS

. . . a great way to teach kids the importance of saving.

One of the most valuable lessons that people can teach their children and grandchildren is how to save regularly—no matter how small the amount may be. For starters, our Junior Statement Savings is designed for birthday presents, babysitting money and grass-cutting fees. Then, as teenagers get their first “real” jobs, they still have an ideal account that they can use to set aside a portion of their earnings. This interest-bearing account may be opened with $25.

● There is no minimum balance requirement through age 18. When the account holder reaches 19, this account will automatically
   convert to Statement Savings.
● The interest rate is variable and may change at any time.
● Interest is earned daily and credited quarterly on 100% of your daily collected balance.
● You may withdraw funds in person or through an ATM as often as you wish—there are no maturity dates or early withdrawal
   penalties.
● Make up to six pre-authorized, automatic, online, or telephone transfers each month. A $2 excessive withdrawal fee applies on
   each withdrawal after three per quarter.
● Free ALIANT check card, for all of your ATM transactions.
● Quarterly statement.
● Free ALIANT Internet Banking with bill pay, which turns your office or home computer into a virtual branch of our bank. Check
   your balances, transfer money between various ALIANT accounts, make payments on loans that you have with ALIANT, pay
   your routine bills to third parties, and much more—all at your convenience and whenever you wish!
● Free Xpress Phone Banking, which provides a way for you to find out your account balances, hear recent withdrawals and
   credits, and transfer money between your selected ALIANT accounts. And, of course, since telephones work 24/7, so does
   ALIANT’s Xpress Phone Banking!

Junior Statement Savings is an interesting-bearing account. For other savings account choices, please see our web site listings for Ascent, Premium Investment Plus, Relationship Savings, and Statement Savings. Also, for full disclosures and regulations that pertain to Junior Statement Savings, please refer to our publication, “Your Deposit Account”.