RATE INFORMATION:
Tiered Rate:  Variable Rate Based Upon Total Balance.
If your daily balance is:

$2,500.00 or more, the interest rate paid on the entire balance in your account will be _______% with an annual percentage yield of ________%.

less than $2,500.00, the interest rate paid on the entire balance in your account will be _______% with an annual percentage yield of ________%.

Your interest rate and annual percentage yield may change. 

Determination of Rate:  At our discretion, we may change the interest rate on your account.

Frequency of Rate Changes: We may change the interest rate on your account at any time.

COMPOUNDING FREQUENCY:  Interest will be compounded monthly.

CREDITING FREQUENCY:  Interest will be credited to your account every month on the statement cycle date.

EFFECT OF CLOSING AN ACCOUNT:  If you close your account before interest is credited, you will receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS:
To Open The Account:  You must deposit $2,500.00 to open this account.

To Avoid Imposition Of Fees:.  You must maintain a minimum daily balance of $2,500.00 to avoid a $7.50 maintenance charge.

BALANCE COMPUTATION METHOD:  We use the daily balance method to calculate interest on your account.  This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL OF INTEREST ON NONCASH DEPOSITS: Interest begins to accrue on the business day you deposit noncash items (for example, checks).

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