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Disclosures

1. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

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

   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.




2. Fees could reduce earnings on the account.
3. Transfers to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six (6) per statement cycle. $5.00 fee per item for transfers/checks exceeding six.
4. Substantial penalty may be imposed for early withdrawal.



5. ATM/Checkcard upon application approval.



6. Ready Reserve upon application approval.



7. Consult your tax advisor.
8. Fees may apply.

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