This account is for customers who want the potential to earn high interest, have immediate access to their funds, have FDIC insurance and who write a minimal amount of checks.

• This account is available for personal and business use.

• The minimum opening balance is $5,000.00.

• Checks will be issued only upon customer request.

• Statements will be mailed monthly.

• Interest rates may change at any time.

• Interest will be added to the account at the end of each monthly statement cycle.

• No interest will be earned on days when the collected balance is less than $5,000.00.

• A service charge of $10.00 will be assessed per month if the average daily collected balance is less than $5,000.00.

• Allows you 6 "pre-authorized" (telephone transfers, wire transfers, ACH, Info-24, Automatic Funds transfer from one account to another, excluding loans, etc.) withdrawals per statement cycle of which 3 may be by check or debit card, and unlimited withdrawals in person, by mail or ATM transactions.

• A $10.00 excessive withdrawal fee will be assessed for each pre-authorized transfer above six (6), for each third party check above three (3), or a combination thereof paid in a monthly statement cycle.

• No average daily collected balance service charge will be assessed to the first statement of a new account.

• Check printing fee depends on style of check order.