• Minimum balance to open the account - You must deposit $50.00 to open this account.

• Rate Information - Your interest rate and annual percentage yield may change.
• Frequency of rate changes - We may change the interest rate on your account at any time.
• Determination of rate - At our discretion, we may change the interest rate on your account.
• Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
• Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum balance to open the account - You must deposit $1,000.00 to open this account.
• Minimum balance to avoid imposition of fees - A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
• Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on non cash deposits - Interest begins to accrue on the business day you deposit non cash items (for example, checks).

• Rate information - Your interest rate and annual percentage yield may change.
• Frequency of rate changes - We may change the interest rate on your account at any time.
• Determination of rate - At our discretion, we may change the interest rate on your account.
• Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
• Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
• Minimum balance to open the account - You must deposit $2,500.00 to open this account.
• Minimum balance to avoid imposition of fees - A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
• Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on non cash deposits - Interest begins to accrue on the business day you deposit non cash items (for example, checks).
• Transaction limitations - Transfers from a Money Market Deposit account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.
• Fees - A per item service charge fee of $5.00 will be charged for each check in excess of three during a monthly statement cycle.

• Rate information - Your interest rate and annual percentage yield may change.
• Frequency of rate changes - We may change the interest rate on your account at any time.
• Determination of rate - At our discretion, we may change the interest rate on your account.
• Compounding and crediting frequency - Interest will be compounded semiannually. Interest will be credited to your account semiannually.
• Effect of closing an account - If you close your account before interest is credited, you will not receive accrued interest.
• Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
• Accrual of interest on non cash deposits - Interest begins to accrue on the business day you deposit non cash items (for example, checks).
• Transaction limitations - Transfers from a Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no more than three by check, draft, debit card, or similar order to third parties.

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Depositor agrees that postdated checks otherwise properly payable are properly payable at any time, including before the date of the check. The bank requires that the customer give separate notice to us of the fact that a check is postdated and a stop payment must be placed on the check until the date of the item.

We may require not less than seven days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.