• Interest is not compounded
• Interest will be credited monthly to a non-interest bearing checking account opened at New Millennium Bank.
• The Account does not allow interest to accrue and remain in the Account

• Interest from the account will be credited monthly to a non-interest bearing checking account opened at New Millennium Bank. If the customer does not already have such account, the customer is required to open a non-interest bearing account to receive the monthly interest credit from the Account.
• Separate disclosure is provided for the new checking account

• An initial deposit of $30,000 or more is required to open this Account.

• No limitation

• You need to maintain a minimum balance of $30,000 on a daily basis to earn the annual percentage yield disclosed.
• If and when the balance falls below $30,000, the contract period ends immediately, the Account is closed, and the remaining balance is returned.
• If we consent to a withdrawal that is otherwise not permitted you may have to pay a penalty. It will be an amount equal to 90 days’ simple interest on the amount withdrawn.

• Up to six (6) withdrawals are allowed during the contract period, without penalty, as long as the minimum balance requirement of $30,000 is maintained.
• Each of the six (6) withdrawal must be for at least of $1,000.
• No withdrawals are allowed during the first and last 30 calendar days of the contract period.
• Fees may reduce earnings. A penalty may be charged for early withdrawals.

• An unlimited number of deposits are allowed during the contract period in the amount of $1,000 or more.
• No deposits are allowed during the first and last 30 calendar days of the contract period.

• This Account will automatically renew upon maturity to a regular Certificate of Deposit (CD), earning the prevailing interest rate for the same term, unless a Hybrid CD is being offered with the same or similar terms at maturity.
• You may withdraw funds within ten (10) calendar days after maturity without a penalty. The minimum balance requirement must be maintained for the new product.
• If the Account is not renewed any interest accrued after the maturity date will not be paid.
• All rates are subject to change without notice.
• This promotion can be terminated anytime without notice.

• Interest is not compounded.
• Interest will be paid in the form of a check monthly and mailed to address of record.
• The Account does not allow interest to accrue and remain in the Account.

• An initial deposit of $30,000 or more is required to open this Account.

• No limitation.

• You need to maintain a minimum balance of $30,000 on a daily basis to earn the annual percentage yield disclosed.
• If and when the balance falls below $30,000, the contract period ends immediately, the Account is closed, and the remaining balance is returned.
• If we consent to a withdrawal that is otherwise not permitted you may have to pay a penalty. It will be an amount equal to 90 days’ simple interest on the amount withdrawn.

• Up to six (6) withdrawals are allowed during the contract period, without penalty, as long as the minimum balance requirement of $30,000 is maintained.
• Each of the six (6) withdrawal must be for at least of $1,000.
• No withdrawals are allowed during the first and last 30 calendar days of the contract period.
• Fees may reduce earnings. A penalty may be charged for early withdrawals.

• An unlimited number of deposits are allowed during the contract period in the amount of $1,000 or more.
• No deposits are allowed during the first and last 30 calendar days of the contract period.

• This Account will automatically renew upon maturity to a regular Certificate of Deposit (CD), earning the prevailing interest rate for the same term, unless a Hybrid CD is being offered with the same or similar terms at maturity.
• You may withdraw funds within ten (10) calendar days after maturity without a penalty. The minimum balance requirement must be maintained for the new product.
• If the Account is not renewed any interest accrued after the maturity date will not be paid.
• All rates are subject to change without notice.
• This promotion can be terminated anytime without notice.

• Minimum opening deposit of $1,000
• Earns a Tiered and variable rate of interest, compounded daily and credited monthly
• Accrual of interest begins on the business day you deposit non-cash items (for example, checks). Accrued interest will not be paid if the account is closed before the interest is credited to the account
• No monthly minimum balance fee if you maintain an average daily balance of $1000. Minimum balance fee of $20 will apply if the daily average balance falls below $1000.00
• ATM card
• No ATM fees from us at any ATM
• Free online banking
• Convenient monthly statement shows images of every check processed
• Available for personal and business banking
• E-Statements available

Accrual of interest begins on the business day you deposit non-cash items (for example, checks). Accrued interest will not be paid if the account is closed before the interest is credited to the account. Account is subject to approval. The terms of the account, including any fees or features, are subject to change without prior notice except as required by law. Refer to product disclosure fo the terms and conditions associated with the product. Other fees and charges may apply and may reduce the earnings on the account.

• Minimum opening deposit of $50
• Earns a variable rate of interest, compounded daily and credited monthly
• Accrual of interest begins on the business day you deposit non-cash items (for example, checks). Accrued interest will not be paid if the account is closed before the interest is credited to the account
• No monthly minimum balance fee if you maintain an average daily balance of 100. Minimum balance of $3 will be imposed if the average daily balance for the month falls below $100
• Free online banking
• ATM card
• No ATM fees from us at any ATM
• Convenient quarterly statements
• E-Statements available

Accrual of interest begins on the business day you deposit non-cash items (for example, checks). Accrued interest will not be paid if the account is closed before the interest is credited to the account. Account is subject to approval. The terms of the account, including any fees or features, are subject to change without prior notice except as required by law. Refer to product disclosure fo the terms and conditions associated with the product. Other fees and charges may apply and may reduce the earnings on the account.

Millennium Club account automatically transferring a specific amount from your checking or savings account into a Millennium Club account each month or pay period.

At great rates to save your money

• Interest is compounded daily.
• Interest will be credited quarterly to the account.
• Interest will not accrue after maturity
• Interest is calculated using daily balance method based on 365-days year (366-day for leap year)
• Deposit made on Saturdays and Sundays, the interest begins to accrue on the next business day after the deposit
• AUTOMATIC DEBIT FROM A DEMAND DEPOSIT ACCOUNT AT NEW MILLENNIUM BANK -Auto- debit from NMB is required to open a Millennium Club account

• To open this account, you must make the initial deposit amount designated for the particular contract amount and term you choose to open.
• Minimum contract amount is $1,000.
• After the initial deposit at account opening, to obtain the annual percentage yield disclosed, equal monthly deposit is required on the same due date each month until maturity. The due date is defined as the date this account is initially opened and will remain the same date each month until maturity unless it falls on a weekend or bank holiday then the next business day will be the due date for that month.

• No limitation

• If the account is closed before maturity, you will not receive accrued and non-credited interest.
• Account will be closed if and when any withdrawal is made to principal, interest or no deposits are made for three consecutive months.

• Equal monthly deposit are required on the same due date each month until maturity.
• Only the contractual amount can be deposited each month. Any access money will be returned to the customer.
• During certain months, the due date may fall on a non-business day or a bank holiday and when such an event occurs, the next business day will be the due date for that month.

• This is a single maturity account, this account will not renew at maturity and will be closed.
• If deposits are not made for three consecutive months, the account is automatically closed.
• Any monthly deposits past the due date may reduce earnings and total amount received at maturity may be smaller than the contract amount.
• One installment payment must be deposited into the account on a monthly basis, based on the installment contract with the Bank, to earn the annual percentage yield.

* Further rate and detail information, please contact any New Millennium Bank Branch.