DETERMINATION OF RATE: Based on market conditions and at our discretion, the interest yield on your account may change.

FREQUENCY OF RATE CHANGES: We may change the interest rate on your account at any time.

TIERING LEVELS AND THEIR APPLICABLE RATES: The interest rate to be paid on your account will depend on the daily balance in your account. The separate "tiers" that have varying interest rates that apply are:

• If the daily balance in your account is less than $300.00, no interest will be paid on the entire balance in your account.
• If the daily balance in your account is $300.00 or more, but less than $9,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is $10,000.00 or more, but less than $24,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is $25,000.00 or more, but less than $49,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is $50,000.00 or more, but less than $99,999.99, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is $100,000.00 or more, the entire balance in your account will earn the appropriate interest rate.

COMPOUNDING AND CREDITING: Interest will be compounded on a daily basis and credited to your account monthly.

MINIMUM BALANCE REQUIREMENTS:

• TO OPEN THE ACCOUNT: You must deposit $10,000.00 to open the account.
• TO AVOID THE IMPOSITION OF FEES: A minimum balance fee of $5.50 will be imposed each month the balance in the account falls below $10,000.00. This fee is listed as min bal fee on the periodic statement.

OTHER FEES:

• EXCESS TRANSACTION FEE: A fee of $10.00 per item will be assessed for each debit transaction in excess of the allowed six third party transfers or two in-person withdrawals. Repeated excess debit transactions could result in account closure. This fee is listed as excess item on the periodic statement.
• INACTIVE WITH LOW BALANCE FEE: A $2.25 monthly fee is assessed after two years inactivity and balance is less than $200.00. This fee is listed as low bal fee on the periodic statement.
• EARLY CLOSING FEE: A $20.00 fee is assessed on accounts open for less than six months.

TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: You must maintain a minimum balance of $300.00 in the account each day to obtain the disclosed annual percentage yield.

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).