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 noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. 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 $50.00 to obtain the disclosed annual percentage yield.

Limitations: You must deposit $50.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order, or instruction or 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: $5.00 SERVICE CHARGE IF BALANCE DROPS BELOW $50.00; $1.00 SERVICE CHARGE AFTER 3 WITHDRAWALS PER ITEM IN A CALENDAR QUARTER - $20.00 SERVICE CHARGE IF ACCOUNT IS CLOSED WITHIN 6 MONTHS OF OPENING.