This disclosure contains the rules which govern your deposit account. The interest rate and annual percentage yield stated below are accurate as of the current date.

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

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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 day. Interest will be credited to your account each November 15.

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).

Transaction limitations:
You may make only in-person withdrawals from this account.

Fee:
An early closing fee of $10.00 will be charged if the account is closed before November 15.