Requirements

• MINIMUM BALANCE OF $2,500.00 TO OPEN ACCOUNT

• AT OUR DISCRETION, WE MAY CHANGE THE INTEREST RATE AND ANNUAL PERCENTAGE RATE ON YOUR ACCOUNT AT ANY TIME. INTEREST WILL BE COMPOUNDED EVERY MONTH AND CREDITED TO YOUR ACCOUNT EVERY MONTH. IF YOU CLOSE YOUR ACCOUNT BEFORE INTEREST IS CREDITED, YOU WILL NOT RECEIVE THE ACCRUED INTEREST

• A SERVICE CHARGE FEE OF $10.00 WILL BE IMPOSED EACH MONTHLY STATEMENT CYCLE IF THE AVERAGE DAILY BALANCE FOR THE MONTHLY STATEMENT CYCLE FALLS BELOW $1,000.00. THE AVERAGE DAILY BALANCE IS CALCULATED BY ADDING THE PRINCIPAL IN THE ACCOUNT FOR EACH DAY OF THE PERIOD AND DIVIDING THAT FIGURE BY THE NUMBER OF DAYS IN THAT PERIOD.