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

Frequency of rate changes: 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.

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

Minimum balance to avoid imposition of fees:  A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Daily balance computation method: We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period.

Accrual of interest on non-cash deposits: Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

A per item fee of $.20 will be charged for each debit transaction in excess of 20 during a month. This fee will apply if the daily balance falls below $1,000.00.

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