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Default 09-16-2005, 08:54 PM

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Account info:

"Earn 3.78% APY on your entire account balance. No monthly fees, no minimum balance. Reward Savings may seem to good to be true but it actually is very simple. When you help us serve you in the most efficient manner, we reward you in the form of a high yielding account. Here are the simple steps to a higher yielding savings account:

Step 1: Open your Reward Savings account online by clicking on the gold "Open Account Now"
Icon.
Step 2: Link to Your account. Contribute to your savings account electronically at any time.
To add this convenient feature to your Reward Savings account click here.
Step 3: Receive your statement through encrypted email. To enroll for encrypted email
statements now click here.

That's it! It's that simple!

Rate Information: This account is an interest bearing account. The interest rate and annual percentage APY* will depend upon the daily balance in the account. The interest rate and annual percentage APY* may change. At our discretion, we may change the interest rate on the account. . Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded daily and will be credited to the account monthly.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

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. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the balance on which interest is paid.

Limitations: You must deposit $100.00 to open this account and enroll for free encrypted email statements.

Transaction Limitation: You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission ) agreement, order or instruction. Transfers and withdrawalsmade in person, by person, by messenger, by mail or at an ATM are unlimited. Available to Personal Accounts only.
Account Fees: No Account fees. Unlimited ATM withdrawals. "





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