Compounding Frequency – Interest will be compounded quarterly

Crediting Frequency – Interest will be credited into this account quarterly

Daily Balance Computation Method – Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of Interest on Noncash Deposits – Interest will begin to accrue on the business day you deposit noncash items (i.e.: checks) into your account.

Minimum Balance to Open – The minimum balance required to open this account is $25.00

Minimum Balance to Avoid a Service Charge – If your balance falls below $25.00 on any day in the statement cycle, your account will be subject to a $2.00 Low Balance Service Charge for that statement cycle.

Deposit Limitations – You may make an unlimited number of deposits into your account. The minimum amount you can deposit is $2.00

Withdrawal Limitations – The minimum withdrawal you can make from this account is $2.00. There is a transaction charge of $1.00 per withdrawal in excess of 18 per statement period.

Limitations on Frequency of Transfers – During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfers may be made by check, draft, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.