Requirements

• MINIMUM BALANCE OF $1,000.00 TO OPEN THIS ACCOUNT

• INTEREST WILL BE COMPOUNDED EVERY MONTH

• AT OUR DISCRETION, WE MAY CHANGE THE INTEREST RATE AND ANNUAL PERCENTAGE YIELD 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

• AN EXCESS CHECK FEE OF $.10 PER CHECK WILL BE CHARGED FOR EACH CHECK IN EXCESS OF 20 DURING A STATEMENT CYCLE. THIS FEE WILL APPLY IF THE AVERAGE DAILY BALANCE IS LESS THAN $1,000.00