RATE INFORMATION:
Single Variable Rate:  The interest rate on your account is __________% 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 daily.

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.

MINIMUM BALANCE REQUIREMENTS:
To Open The Account:  You must deposit $50.00 to open this account.

To Avoid Imposition Of Fees:  A maintenance fee of $1.00 will be assessed per statement if the average balance falls below $100.00 during the statement cycle.

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 six (6) transfers from your account each statement cycle, if by pre-authorized, automatic or telephone transfer. Three (3) of these transfers may be made by draft or similar order to third parties.

ACCOUNT FEES:  Refer to Schedule of Fees.

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