Rate Information: This Account is an interest-bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded daily and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $200.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $200.00 to open this account. You may make six (6) transfers from your account each statement cycle, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction, by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: A monthly service charge of $4.00 will be imposed each month if the balance in the account falls below $200.00 any day of the month. An excess withdrawal fee of $10.00 will be charged for each withdrawal in excess of six (6) per statement cycle.