Let's teach our kids to GET SMART about money! Use a UBM SMART Savings Account to save for theirfuture. 3.04% 142 +PS Annual Percentage Yield Ultima Bank SMART (School Money At Right Time) is designed specifically for youth who are 18 years of age or younger Interest Rate is variable and subject to change without notice Penalty for early withdrawal (6 mo. interest earned) MINNESOT A . Fees could reduce earnings e Rate is accurate as of 1/11/2019 www.ultimabank.com. 800-421-2588 Winger Fosston Plummer . Bemidi M ember FDIC