Bank Star's Galaxy Club PLUS is for our customers 50 and BETTER!

Take Advantage of all these BENEFITS:

• FREE Personalized Corporate Image Checks
• Earn Interest with No Minimum Balance Requirement
• Cashiers Checks & Money Orders At No Issue Fee
• Galaxy Club Quarterly Newsletter 
• Bank Star +PLUS+ MasterCard® Check Card
• FREE Internet Banking and FREE Online Bill Pay
• 25% Discount on 3 X 5 Safe Deposit Boxes (when available)
• $10,000 of 24-Hour Accidental Death Insurance and Increased $150,000 Common Carrier Insurance*
• Medical Emergency Data Card
• Payment Card Protection for Loss or Theft of Credit, ATM and Check Cards
• Key Ring Protection
• Rx Advantage® Prescription Drug Program
• Savers Club® Book filled with everyday savings and discounts
• Bonus Travel-cash rewards when you travel
• Everyday Rebate Rewards-Earn money on things you buy everyday
• Sojourns® Magazine Subscription
• Discount Shopping Service
• Grocery Coupons worth hundreds of dollars annually
• Bank Star Express 24-Hour Account Information Hotline

Rate Information
This is a variable rate account. Because rates may change periodically, we recommend that you contact your Bank Star branch to get the latest rate information on this account. Rates may change at any time without notice. Fees could reduce earnings on this account.

Frequency of Rate Changes
Your interest rate and annual percentage yield may change every DAY.

Determination of Rate
At our discretion, we may change the interest rate on your account.

Compounding and Crediting Frequency
Interest will be compounded MONTHLY.
Interest will be credited to your account MONTHLY.

Effect of closing account
If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements to Open the Account
You must deposit $100.00 to open this account.
To obtain the disclosed Annual Percentage Yield, you must maintain a daily balance of $ 0.01 in the account.

Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account.

Accrual of Interest on Noncash Deposits
Interest begins to accrue no later than the business day that we receive credit for the deposit of noncash items (for example, checks).

Fees
A MEMBERSHIP FEE OF $4.00 WILL BE CHARGED EACH MONTH.

*The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by Bank Star or affiliates, and not insured by any agency of the U.S.