INVESTMENT ACCOUNTS

Investment Accounts

An investment account requires a minimum deposit of $1,000.00 and is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. At our discretion, we may change the interest rate and annual percentage yield on the account at any time. Interest begins to accrue on the first business day after you deposit non-cash items. Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited then you will not receive the accrued interest.

Minimum Balance Requirement: A minimum average collected daily balance of $1,000.00 is required to obtain the disclosed annual percentage yield. Fees may reduce earnings.

Limitations: Transfers and withdrawals made in person, by messenger, by mail, or at an ATM are unlimited. You may make six (6) transfers from your account each four (4) week or similar period, three (3) of which may be to third parties if they are preauthorized or automatic transfers, or telephone (including data transmission agreement), order or instruction.

Fees: A monthly maintenance fee of $10.00 will be charged every statement cycle if the average collected daily balance falls below $1,000.00 for the cycle. If your average collected daily balance is over $1,000.00 then you will earn interest on your account.

Investments