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NOW Checking Account

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

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 month. Interest will be credited to your account every month.

Minimum Balance to Open The Account - You must deposit $1,000.00 to open this account.

Minimum Balance to Avoid Imposition of Fees - A service charge fee of $10.00 will be imposed every monthly statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Minimum Balance to Obtain the Annual Percentage Yield Disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

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).

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