Minimum balance to open the account - We require a deposit of $200.00 to open this account.

Rate Information - Your interest rate and annual percentage yield may change.

Compounding and crediting frequency - Interest will be compounded every quarter. Interest will be credited to your account every quarter.

Fees: An excessive withdrawal fee of $1.00 will be charged for each withdrawal in excess of three during a quarter.

Transaction limitations: Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, debit card, or similar order to third parties are limited to six per month.

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 noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.