RATE INFORMATION:
Single Fixed Rate:  The interest rate on your account is __________% with an annual percentage yield of __________%.  You will be paid this rate.

COMPOUNDING FREQUENCY:  Interest will be compounded annually.

CREDITING FREQUENCY:  Interest will be credited to your account annually.

EFFECT OF CLOSING AN ACCOUNT:  If you close your account before interest is credited, you will not receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS:
To Open The Account:  You must deposit $5.00 to open this account.

BALANCE COMPUTATION METHOD:  We use the daily balance method to calculate interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL OF INTEREST ON NONCASH DEPOSITS: Interest begins to accrue on the business day you deposit noncash items (for example, checks).

TRANSACTION LIMITATIONS:  The maximum weekly deposit we allow to this account is $100.00.  The minimum weekly deposit to this account is $5.00.

ACCOUNT FEES:  If you close your account before your scheduled annual check is issued, you will be charged a $5.00 closing fee.

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