Passbook Savings Accounts
TRUTHINSAVINGS DISCLOSURE
PASSBOOK SAVINGS ACCOUNTS 
PERSONAL AND COMMERCIAL
Rate Information  Your interest rate and annual percentage yield may change.
Frequency of rate changes  We may change the interest rate on your account at any time.
Determination of rate  At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency  Interest will be compounded every day. Interest will be credited to your account every quarter.
Effect of closing an account  If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account  You must deposit $250.00 for new customers, $50.00 for existing customers to open this account.
Average daily balance computation method  We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarter.
Accrual of interest on noncash deposits  Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations: Transfers from a Passbook Savings
account to another account or to third parties by preauthorized,
automatic, or telephone transfer or check, draft, or similar payment
order are limited to six per month.
Fees: A per item charge fee of $2.50 will be charged for each debit in excess of
six during a quarter.
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MONEY MARKET ACCOUNT
/
FLOATING INTEREST TRANSACTION ACCOUNT
Rate Information  Your interest rate and annual percentage yield may change.
Frequency of rate changes  We may change the interest rate on your account at any time.
Determination of rate  At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency  Interest will
be compounded every day. Interest will be credited to your account
every month.
Minimum balance to open the account
 You must deposit $2,500.00 to open this account.
Effect of closing an account  If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to avoid imposition of fees  A service charge fee of $9.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
Average daily balance computation method  We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Minimum balance to obtain the disclosed annual percentage yield  You
must maintain a minimum average daily balance of $2,500.00 in your
account to obtain the disclosed annual percentage yield. The
average daily balance is calculated by adding the balance in the account
for each day of the period and dividing that figure by the number of
days in the period. The period we use to make this calculation is
monthly.
Deposit limitations  You may make an unlimited number of deposits into your account.
Accrual of interest on noncash deposits  Interest begins to accrue on the business day you deposit noncash items (for example,
checks).
Transaction limitations: Transfers from a Money Market
 Floating Interest Transaction account to another account or to third
parties by preauthorized, automatic, or telephone transfer are limited
to six per statement cycle.
Transaction limitation
fee  A $10.00 per statement cycle fee will be imposed when transaction
limits are exceeded.
Anahuac National Bank
801 S. Ross Sterling (Belton Lane & Highway 563)
P.O. Box N, Anahuac, Texas 77514
Phone: 4092673106 24HR: 409267INFO (4636) Fax: 4092673950
Toll Free: 8665263273 (EASE)
24 HR Toll Free: 8665263228 (FACT)
www.anbank.net
