Super Savings Account

Rate Information - Your interest rate and annual percentage yield may change.  Frequency of rate change - We may change the interest rate on your account any time.
 
Determination of rate - At our discretion, we may change the interest rate onyour account.
 
Compounding and crediting frequency - Interest will be compounded every quarter.  Interest will be credited to your account every quarter.
 
Minimum balance to open account: You must deposit $1,500.00 to open this account.
 
Minimum balance to avoid the imposition of fees: A below balance fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,500.00 any day of the cycle.
 
Minimum balance to obtain the annual percentage rate: You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield.
 
Daily balance compution 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 on the business day you deposit noncash items (for example, checks)
 
Transaction limitations - Transfers from a Super Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per quarter with no transfers by check, draft, debit card, or similar order to third parties.
 
Fees: A per item fee of $2.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of six during a quarter.

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