Ultima Bank MINNESOTA OPENING A UBM SMART SAVINGS ACCOUNT IS JUST... SMART! 5.10% ANNUAL PERCENTAGE YIELD SMART (School Money At Right Time) is designed specifically for youth 18 years of age or younger Interest Rate is variable and subject to change without notice Fees could reduce earnings Penalty for early withdrawal (6 mo. interest earned) Rate is accurate as of 7/21/25 Winger Fosston Plummer Bemidji East Grand Forks Gary www.ultimabank.com (800) 421-2588 Member FDIC Ultima Bank MINNESOTA OPENING A UBM SMART SAVINGS ACCOUNT IS JUST ... SMART ! 5.10 % ANNUAL PERCENTAGE YIELD SMART ( School Money At Right Time ) is designed specifically for youth 18 years of age or younger Interest Rate is variable and subject to change without notice Fees could reduce earnings Penalty for early withdrawal ( 6 mo . interest earned ) Rate is accurate as of 7/21/25 Winger Fosston Plummer Bemidji East Grand Forks Gary www.ultimabank.com ( 800 ) 421-2588 Member FDIC