CURRENT RATE INFORMATION

Your interest rate and annual percentage yield may change.

The interest rate on this account can fluctuate at any given time depending on market rates. Currently, your account does not accrue interest.

DETERMINATION OF RATE

At our discretion, we may change the interest rate on your account.

FREQUENCY OF RATE CHANGES

We may change the interest rate on your account at any time.

LIMITATIONS ON RATE CHANGES

There are no maximum or minimum interest rate limits for this account.

COMPOUNDING AND CREDITING

Interest is compounded daily and credited to the customer account monthly. If you close your account, you will still receive all interest accrued while the account was open. The cut off time for interest calculation will be 2pm Pacific Time.

MINIMUM BALANCE REQUIREMENTS

No minimum balance is required to open or to obtain the account’s annual percentage yield. Your account statement cycle is monthly.

DAILY BALANCE METHOD

We use the Daily Balance Method which applies a daily periodic rate to the account balance that has accrued in the Account each day. Interest will be calculated daily, including holidays and weekends. This means that the interest from the Account is calculated everyday on 365 days a year and 366 days a year for leap years.

ACCRUAL ON NONCASH DEPOSITS

Interest begins to accrue on the business day you deposit noncash items (for example, checks). The cut off time for interest calculation will be 2pm Pacific Time. All deposits after the cut off time will have the posting day of the following business day.

TRANSACTION LIMITATIONS

Currently, there is no withdrawal limitation on your account.