Personal Savings Account

The interest rate and annual percentage yield is subject to change without notice. The minimum balance to open the account is $100.00. The minimum balance of $10.00 must be maintained to obtain the disclosed annual percentage yield. Interest will be credited to the account quarterly. If the account is closed before the interest is credited on a statement, the accrued interest will be forfeited. If at any time during the statement cycle the minimum balance drops below $100.00 a maintenance fee of $5.00 will be imposed. You may make six (6) transfers or withdrawals from your account per quarter. A $10 fee per withdrawal will be imposed for each withdrawal in excess of 6 withdrawals per quarter. For additional terms and conditions, please see the ENB Truth in Savings Disclosure.

**Youth Savings Account**

This account is available to youth under 18 years of age. The interest rate and annual percentage yield is subject to change without notice. The minimum balance to open the account is $100. A minimum balance of $10.00 must be maintained to obtain the disclosed annual percentage yield. Interest will be credited to the account quarterly. If the account is closed before the interest is credited on a statement, the accrued interest will be forfeited. You may make six (6) transfers or withdrawals from your account per quarter. A $10 fee per withdrawal will be imposed for each withdrawal in excess of 6 withdrawals per quarter. For additional terms and conditions, please see the ENB Truth in Savings Disclosure.

**Christmas Club Account**

The interest rate and annual percentage yield is subject to change without notice. The minimum balance to open the account is $10 and this balance must be maintained in order to earn interest. Interest will be credited annually at the time a check is produced prior to or during the week of Thanksgiving. No withdrawals are allowed on this account. For additional terms and conditions, please see the ENB Truth in Savings Disclosure.