This account helps customers save money and have 24 hour access to their funds.

• This account is available for consumers and businesses.

• The minimum opening balance is $100.

• Savings booklets will be provided.

• Interest rates may change at any time.

• Interest will be added to the account at the end of each calendar quarter.

• No interest will be earned on days when the collected balance is less than $100.

• A service charge of $3.00 will be assessed if the average daily collected balance for the quarter is less than $100.

• No collected balance service charge will be assessed for the first quarter to a new account.