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Personal Savings

MidSouth Bank offers a variety of savings account options.

STATEMENT SAVINGS

Initial deposit to open account is $100

• Minimum quarterly balance to avoid service charge is $100
• Service charge if ledger balance drops below $100 during statement cycle is $6
• FREE Online Banking
• FREE 24-Hour Telephone Banking

Student Savings Initial deposit to open is $10 Free to students through age 22 FREE Online Banking FREE 24-Hour Telephone Banking	Christmas Club Initial deposit to open account is $10 Interest is credited to your account at maturity At maturity if your balance is less that $100 a $10 fee will be imposed An early withdrawal fee of $10 will be charged on any funds withdrawn prior to maturity
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Super Money Market Initial deposit to open account is $2,500 Minimum monthly balance to avoid service charge is $2,500 or average monthly balance of $10,000 Service charge if ledger balance drops below $2,500 during statement cycle is $10 See Interest Rate Information for current rates	Liquid CD Initial deposit to open is $2,500 One free withdrawal per quarter Additional deposits of at least $500 allowed $25 fee for excess withdrawals Minimum balance of $2,500 required to earn interest See Interest Rate Information for current rates. Interest rate is variable and may change at anytime, at our discretion.
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INDIVIDUAL RETIREMENT ACCOUNTS

Please contact your local MidSouth Bank office for information on our IRA products.

You may make six withdrawals or transfers from your savings account each statement cycle. Excess withdrawals will be service charged as indicated under Schedule of Fees.

At our discretion, our interest rate and annual percentage yield may change at any time. You must maintain the minimum balance stated for your account each day to obtain the annual percentage yield listed under "Current Rate Information". Interest begins to accrue no later than the business day on which we receive credit for non-cash items (for example, checks).

The daily balance method is used to calculate the interest on your account and the amount of interest you earn is based on the daily collected balance. The daily balance method applies a daily periodic rate to the full amount of principal in the account each day.

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