INTEREST CHECKING 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 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 OPEN THE ACCOUNT - You must deposit $1,500.00 to open this account.

MINIMUM BALANCE TO AVOID IMPOSITION OF FEES - A maintenance fee of (see fee schedule) will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $50.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

MINUMUM BALANCE TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED - You must maintain a minimum balance of $1,500.00 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).

FEES - A per item fee of (see separate fee schedule) will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 15 during the month.