To Earn the Variable Rate

If you do not earn the variable rate in any period you will be paid the base rate.

If your daily balance is $50,000.00 or more, interest will be paid at a interest rate of 0.75% on the portion of your balance that is greater than $50,000. Your annual percentage yield will range from 2.250% to 1.50% depending on the balance in the account
Your interest rate and annual percentage yield may change.

The interest rate paid on the entire balance in your account will be a base rate of .05% with an annual percentage yield of .05%

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

We may change the interest rate on your account every day.

You must deposit $100.00 to open this account

To qualify for this account you must agree to receive your statements and notices electronically.

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.

Interest will be compounded monthly and credited to your account monthly. If you close your account before the interest is credited, you will not receive the accrued interest.

Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks)

To Obtain the Annual Percentage Yield Disclosed

   * Make at least 12 MasterMoney debit card transactions (not at an ATM) per statement cycle (1)

   * Elect to receive your statement in electronic form online (1)

   * Have at least one ACH debit or credit transaction per statement cycle

<!--[Effective March 19, 2008 Rates Subject to Change