Business Account This account is not a consumer account to which Truth in Savings Applies Minimum balance to avoid imposition of fees: No minimum balance required. Fees: A flat-service fee of $1.00 will be imposed every statement cycle. A debit item fee of $.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account). A credit fee of $.15 will be charged per $100.00 average collected balance every statement cycle. Money Market Investment Account (MMI) 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 avoid imposition of fees: A flat-service fee of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000 any day of the cycle. Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate of the principal in the account each day. Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks). Transaction limitations: Over-the-counter withdrawals or other transfers from a Money Market investment account (MMI) to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties. Fees: A debit item fee of $1.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment of this account) in excess of six during a statement cycle.