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 daily. Interest will be credited to your account every quarter. Minimum balance avoid imposition of fees: A flat service fee of $1.75 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed: You must obtain a minimum balance of $50.00 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 of the principal in the account each day. Accrual of interest on non-cash deposits: Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks). Transaction limitations: Transactions from a Savings Statement  account to another account or to third parties are limited to nine per quarter (and no more than six per month) by pre-authorized automatic, or telephone transfer with no transfers by check, draft, debit card, or similar payment order to third parties. Fees: A debit item fee of $.50 will be charged for each debit transaction (withdrawal, automatic transfer, or payment of this account) in excess of nine during a quarter cycle.