| Minimum opening deposit - $1000 |
| Monthly Maintenance Fee - $5.00 if the average daily balance in the
account falls below $1000. (also interest is NOT accrued if the average daily balance
falls below $1000) |
Per Item Fee - A per item fee of $1.00 will be charged for each withdrawal in excess of 6 during a month.
|
Fee and interest breakdown:
| Avg. Bal. | Monthly Fee | Int. Earned | # free debits |
| $0 - $999 | $5.00 | NO | 6 |
| $1,000 - $9,999 | $0 | YES | 6 |
| $10,000 + | $0 | YES | 6 |
|
| Interest rate and annual percentage yield may change. |
| Frequency and Determination of Rate Changes - At our discretion the rate
may be changed at any time. |
| Interest will be compounded and credited to your account monthly. |
| We use the average daily balance method to calculate the interest on your
account. |
| Statement Cycle - Your statement will cycle monthly. |
| Internet Access and CommunityPhone 24 Hour Access to account information at no additional cost. |
| Bill Paying Services available at additional cost. |
