Rates | Leader Bank

Account Type	Interest Rate	APY¹	Minimum Balance	Min. Balance to Open and Earn APY	Monthly Service Charge
Zeugma Reward Savings² Qualifying balances of $500,000 or less only	2.96%	3.00%	$10	$10	None
Zeugma Reward Savings² Qualifying balances over $500,000	2.96% on first $500,000 0.10% on amounts over $500,000	0.10% to 3.00%	$10	$10	None
Zeugma Reward Savings² Non-qualifying balances only	0.10%	0.10%	$10	$10	None
Leader Savings	1.00%	1.00%	$10	$10	None
Kids Club Passbook Savings	0.10%	0.10%	$10	$10	None

Certificates of Deposit

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Certificate of Deposit (CD) Calculator

Account Type	Interest Rate	APY¹	Minimum Balance	Min. Balance to Open and Earn APY	Monthly Service Charge
5 Years	3.44%	3.50%	$1,000	$1,000	None
4 Years	1.98%	2.00%	$1,000	$1,000	None
3 Years	1.98%	2.00%	$1,000	$1,000	None
30 Months	1.98%	2.00%	$1,000	$1,000	None
25 Months	1.98%	2.00%	$1,000	$1,000	None
2 Years	1.98%	2.00%	$1,000	$1,000	None
21 Months⁴	2.96%	3.00%	$1,000	$1,000	None
21 Months IRA	0.40%	0.40%	$1,000	$1,000	None
18 Months	1.49%	1.50%	$1,000	$1,000	None
15 Months	3.59%	3.65%	$1,000	$1,000	None
14 Months	1.00%	1.00%	$1,000	$1,000	None
12 Months	3.69%	3.75%	$1,000	$1,000	None
10 Months	0.25%	0.25%	$1,000	$1,000	None
9 Months	4.72%	4.75%	$1,000	$1,000	None
8 Months	0.40%	0.40%	$1,000	$1,000	None
6 Months	4.69%	4.75%	$1,000	$1,000	None
4 Months	0.25%	0.25%	$1,000	$1,000	None
3 Months	4.67%	4.75%	$1,000	$1,000	None

Money Market Accounts

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Please contact a local branch for current money market rates.

1. Annual Percentage Yield

2. Annual Percentage Yield (APY) effective as of 19 November, 2024. To be eligible for Zeugma Reward Checking and Savings benefits, clients must fulfill the following 3 requirements on the Zeugma Reward Checking each month: receive a minimum of $1,800 in direct deposits, enroll in eStatements, and have ten (10) debit transactions posted and cleared per month (excluding internal transfers). Eligible Zeugma Checking accounts will be reimbursed up to $15 per month in ATM surcharges assessed by other banks and will receive debit card cash rewards of 1% on “Qualifying Purchases” per month. “Qualifying Purchases” include signature transactions only where the customer selects “credit” as the transaction type. Transactions made at, with, or through the following vendors will not be counted towards the minimum number of debit transactions requirement for Zeugma Rewards or receive the 1% cash back regardless of if it is a transaction where “credit” is selected as the payment type: Google Wallet, PayPal, Venmo, Square Cash, MoneyGram, and effective October 31, 2024, any other cash transfer, wire transfer or payment made through any money movement app, website, vendor or institution. The debit card cash back rewards and ATM surcharge refunds will be paid by the 15th day of the following month for the accounts that qualify in the current statement cycle. $10 minimum balance to open Zeugma Checking and $10 minimum balance to open Zeugma Savings and earn APY. No minimum balance required to maintain account, $10 minimum balance required to earn rewards. When you are eligible for Zeugma Rewards, then the interest paid on Zeugma Savings in the next statement cycle on balances of $500,000 or less is 2.96% with an APY of 3.00%; an interest rate of 0.10% will be paid only for that portion of your daily balance that is greater than $500,000. The APY for this tier will range from 0.10% to 3.00% depending on the balance in the account. If you do not qualify for the Zeugma Rewards, you will be paid 0.10% APY on your entire balance in the Zeugma Savings. The initial rate on the account shall be tiered. Interest rates may vary after account opening. Bonuses and gifts are subject to IRS tax reporting requirements IRS 1099-MISC. Fees may reduce earnings on the account. One account per household.

3. A penalty may be imposed for early withdrawal from a Certificate of Deposit. Checking accounts may be required to open CDs, ask a representative.

4. Limit of $5,000,000.

5. You may only make six (6) preauthorized, automatic, telephone or third party check transfers from your Money Market account each statement cycle. We reserve the right to at any time require not less than seven (7) days’ notice in writing before any withdrawal from your account. You must maintain a minimum balance of $10.00 in the account each day to obtain the minimum disclosed APY. A monthly service charge of $6.00 will be imposed every statement cycle if the account balance falls below $1,000.00 on any day of the statement cycle.

Rates subject to change without notice and may change after the account is opened, excluding Certificates of Deposit. Fees could reduce earnings on accounts.

Fees & Charges

The following Fees & Charges are current as of 19 November, 2024.

Debit cards

Leader Bank/SUM Transactions*	Point-of-Sale Transactions	Non-Leader Bank/SUM Transactions*	Debit Card Replacement	International Service Fee**
Free	Free	Free	$10	1% of Transaction

*Transactions at SUM ATMs are surcharge-free. Other banks may impose a surcharge.
**Imposed by Visa® for any international ATM or debit card transactions.

Account Charges

Copy of Check or Deposit Item	Interim Statement	Returned Mail* (per month)	Deposited Items Returned	Lost Passbook Charge	Positive Pay (per month)	Lock Box Service (per month)
$3	$5	$5	$10	$15	$150	$25

Records Research / Account Reconciliation (per hr)	Stop Payment Orders	Overdraft**	Returned Item	Canadian Check Collection	Foreign Check Collection	Abandoned Property / Dormant Account	Levies & Attachments
$25	$30	$35	$35	$30	$45	$75	$125

*Returned Mail Fee shall be charged monthly from the first time mail sent by us to you is returned as undeliverable for any reason until such time as you update your mailing address with us.

**The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, or other electronic means.

Wire Transfers

Incoming Wires (Domestic)	Incoming Wires (International)	Outgoing Wires (Domestic)	Outgoing Wires (International)
Free	$25	$27	$45

Other Bank Charges

Treasurer's Check (Client Only)	Money Orders (Client Only)	Check Order (depending on style)	Notary Service (Client/Non-Client)	Coin Counting (Client)	Coin Counting (Non-Client)	Signature Guarantee (Clients Only)
$6	$5	Prices Vary	Free	Free	5%	$10

Safety Deposit Box*

Annual Rental 3x5	Annual Rental 3x10	Annual Rental 5x10	Annual Rental 10x10 (Belmont Only)	Late Payment Fee	Replacement Key	Safe Deposit Box Drilling
$85	$110	$220	$300	$35	$55	$275

*Only available to clients who have a primary checking account with Leader Bank.

Maintenance

Money Market Fees (Balance Less Than $1,000)*
$6

*Applicable for every statement cycle in which the daily balance falls below $1,000.

Foreign Currency Exchange

Clients	Special Order*
$5	$10

*Additional delivery fee may be applied at non-consignment locations in conjunction with the client exchange fee for transactions under $500. Please contact your local branch for currency availability and delivery options.

Precious Metals

Precious Metal Sales
4.5% of Purchase Price