Rate Information: This Account is an interest-bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will not be compounded on the account. Interest will be credited to the account at maturity. If the account is closed before interest is credited, you will not receive the accrued interest.

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 $1.00 to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1.00 to open this account. You may not make withdrawals from your account until the maturity date.

Account Fees: The following fee applies to this account: FEE FOR CLOSING ACCT EARLY: $20.00.