SAVINGS

Daily Investment Account

Rate information
Your interest rate and accrual percentage yield may change.

Frequency of rate change
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.

Minimum balance to open the account
You must deposit $2,500.00 to open the account.

Minimum balance to avoid imposition of fees
A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $2,500.00. the average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure b the number of days in the period.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

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).

Transaction limitations
Transfers from a Daily Investment 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.

Statement Savings 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 every quarter.

Determination of rate
At our discretion, we may change the interest rate on your account.

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

Minimum balance to open the account
You must deposit $100.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $50.00 in the account each day to obtain the disclosed annual percentage yield.

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).

Transaction limitations
Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to three per month.

Fees
An excess withdrawal charge fee of $1.00 will be charged for each debt, transaction in excess of three during a calendar month.