RATE INFORMATION: 
Tiered Rate: Variable Rate Based Upon Total Balance.
If your daily balance is:

$250,000.00 or more, the interest rate paid on the entire balance in your account will be _______% with an annual percentage yield of ________%.

100,000.00 - $250,000.00, the interest rate paid on the entire balance in your account will be _______% with an annual percentage yield of _______%.

$25,000.00 - $100,000.00, the interest rate paid on the entire balance in your account will be _______% with an annual percentage yield of _______%.

less than $25,000.00, the interest rate paid on the entire balance in your account will be _______% with an annual percentage yield of _______%.

Your interest rate and annual percentage yield may change.

Determination of Rate: At our discretion, we may change the interest rate on your account.

Frequency of Rate Changes: We may change the interest rate on your account at any time.

COMPOUNDING FREQUENCY: Interest will be compounded every month.

CREDITING FREQUENCY: Interest will be credited to your account every month.

EFFECT OF CLOSING AN ACCOUNT:  If you close your account before interest is credited, you will receive the accrued interest.  If you close your account within 180 days of opening, you will be charged a $50.00 fee.

MINIMUM BALANCE REQUIREMENTS:
To Open The Account:  You must deposit $25,000.00 to open this account.

To Avoid Imposition of Fees: You must maintain a daily balance of $25,000.00 in the account each day to to avoid a $20.00 monthly service charge.

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: You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or statement cycle.

EXCESS WITHDRAWAL FEE:  You may be charged a fee of $5.00 for each transaction that exceeds six during a statement cycle.

ACCOUNT FEES: Refer to schedule of fees.

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