BÖRSENBRIEF 24. Januar 2011 Sehr geehrte Anlegerinnen und Anleger Der besser als erwartet ausgefal ene ifo-Index hat in der vergangenen Woche gezeigt, dass die Unternehmen unseres nördlichen Nachbars vor Optimismus strotzen. Der positive Mix aus den guten Konjunkturperspektiven, der weiter grosszügigen Liquidität im Markt und des positiven Starts in die Berichtssaison dür
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LayoutMy Rewards Checking Truth-in-Savings Disclosure
Rate information – My Rewards Checking is a tiered rate account. The dividend
rate and annual percentage yield (APY) may change every month. We may change the dividend rate for your account as determined by the Credit Union board 2. At the end of each qualification cycle, of directors or such authorized officers.
• The Bonus Rate is paid on the portion of your daily balance up to $10,000 when the My Rewards Checking qualifications are met. The respective div- idend rate and APY are described in the Credit Union’s Rate Sheet or your the qualifications and let you know if you • The Second Tiered Rate is paid on the portion of your daily balance over $10,000 when the My Rewards Checking qualifications are met. The qualify or do not qualify for the rewards.
respective dividend rate and APY are described in the Credit Union’s Rate Sheet and wil be reflected on your periodic statement as a blended yield.
• The Base Rate is paid when the My Rewards Checking qualifications are not met. The respective dividend rate and APY are described in the CreditUnion’s Rate Sheet or your periodic statement.
Compounding and crediting – Dividends wil begin to accrue on the business
day you deposit cash, checks and other noncash items into your account.
Dividends wil be compounded monthly and credited to your account on the last
day of each statement cycle.
Dividend period – For this account type, the dividend period is monthly and is
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based on the qualification cycle.
Minimum balance requirements – The minimum balance required to open this
account is $25.00. You must maintain a positive balance in your account each day to obtain the disclosed annual percentage yield.
Daily balance computation method – Dividends are calculated by the daily bal-
ance method which applies a daily periodic rate to the balance in the account each
*ATM fee refunds up to $25.00 on ATM withdrawals from your My Qualification criteria – To qualify for My Rewards Checking rates, we ask that
Rewards Checking account, provided only if qualifications are met within • Have at least 10 signature based debit card purchases post and clear the **Minimum balance to open the account is $25.00. No minimum balance required to maintain the account. Qualifying purchases or other transac- • Elect to receive your monthly statements electronical y (e-Statements), tions must post and clear the account during the qualification cycle.
which are accessed through Interra Online banking. (A valid e-mail address Purchases/Transactions may take one or more business days from the transaction date to post to an account from the date the purchase/trans- • Have at least one direct deposit or one automatic debit post and clear the action is made. Intra-bank transfers do not count as qualifying transac- tions. PIN based purchases do not count toward qualifying debit card Purchases/Transactions may take one or more business days from the transac- tion date to post to an account from the date the purchase/transaction is made.
Intra-credit union transfers do not count as qualifying ACH transactions. PINbased purchases do not count toward qualifying debit card purchases. Debit card For complete account information, please transactions processed by merchants and received by the Credit Union as ATMtransactions do not count towards qualifying debit card transactions. Only debit refer to the disclosure on the back panel of this card transactions processed by merchants and received by the Credit Union as POS transactions count towards qualifying debit card transactions. If monthlyqualifications are not met, you wil stil earn the Base Rate on your account.
Qualification cycle – The qualification cycle means a period beginning one day
prior to the first day of the current statement cycle through one day prior to the
close of the current statement cycle. For example, a qualification cycle beginning
September 30 would end October 30. The next qualification cycle would begin
October 31 and end November 29. Al other qualification cycles would fol ow this
ATM fee reimbursements/refunds – If you have met your qualifications for the
month, we wil refund domestic ATM fees on ATM withdrawals from your My
Rewards Checking account, up to $25.00 per qualification cycle. Refunds wil be
reimbursed on the last day of each statement cycle. ATM surcharges over $4.99
are not automatical y refunded, but may be manual y refunded by a credit union rep-
resentative with the presentation of a receipt within 10 business days fol owing the
month that the My Rewards Checking qualifications were met.
Fees and charges – The fees and charges set forth in the Credit Union’s Fee
Schedule may be assessed against your account(s).
Transaction limitations – No transaction limitations apply to this account unless
otherwise stated in the Common Features section of the Membership and Account
Services Agreement and Disclosures brochure.
IRS reporting – If the reimbursement of ATM fees exceeds $10.00 in a year, they
are considered a bonus for the purposes of Regulation DD. If the total income
totals $600.00 or more in a taxable year, the Credit Union wil issue you a 1099
Your deposits are insured to $250,000 per account.
By members’ choice, this institution is not federal y insured.
Those are Some Big Shoes to Fill!
My Rewards Checking from Interra Credit Union offers you: What is a signature-based debit card purchase? • High rate paid on balances up to $10,000 Purchase transactions process one of two ways • ATM fee refunds nationwide – up to with your debit card. One is PIN-based, when you enter your 4-digit PIN. Al other transactions are considered “signature-based,” whether you actually sign or not. For example, a debit card “signature-based” transaction, but you don’t Member name:_____________________________ purchases post and clear your account.
Member number: ___________________________ • Have at least one direct deposit or an ACH A signature-based debit card purchase processes Mailing address:____________________________ auto debit post and clear your account.
through the MasterCard® system, even though the • Enrol in and receive e-Statements.
funds are withdrawn from your checking account.
City: _____________________________________ If you want a signature-based transaction, alwayschoose “credit.” State: ______________ Zip: _________________ What happens if I do not meet the rewards qualifications?Don’t worry. Your checking account is still E-mail address: ____________________________ free and you can start over to earn the rewards during the next qualification cycle. Dividends wil It is an automatic payment you set up to be Home phone: ______________________________ be paid at a base rate on your balance.
directly deducted from your account. It may be aregular insurance premium, utility payment, or Other phone: ______________________________ What if the account balance is below $10,000? You're in luck! The rate applies to any balance • Requests the described services and agrees to the terms and e-Statement registration – Get an EZ $10! conditions governing the services, including any fees andcharges as set forth in the Credit Union’s fee schedule.
• Acknowledges receipt of agreements and/or disclosures What if the account balance is above $10,000? applicable to the account or services requested.
You'l stil earn a rate higher than the regular • Understands that the terms of this additional account and/or 2. Choose the e-Statements tab in Interra service are governed by the terms and conditions applicable to checking rate on balances over $10,000, too.
the existing Membership Account Agreement, as amended from time to time, including, but not limited to, account ownership.
• Certifies that al information is accurate and complete.
_________________________________________ Date: ____________________________________
Figure 1. Final stimuli used in the visualFigure 2. The 6 possible permeations of stimuli using three stimuli (A, B and C) presented in 2 of 3 locations within a PAL task. !+" indicates the correct response to gain an appetitive reward. for certain images, but that performance was matched when !lines" and !circle" were used (see Figure 1). These findings were confirmed within tw