SNOW – Savings
Rate Information:	At our discretion, we may change the interest rate for this account.   The interest rate on this account is 0.600% with an annual percentage yield of 0.60%.  The interest rate and annual percentage yield may change at any time.
Compounding Frequency:	Interest will be compounded monthly.
Crediting Frequency:	Interest will be credited into this account monthly.
Daily Balance Computation Method:	Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Non-Cash Deposits:	Interest will begin to accrue no later than the business day we receive credit for the deposit of non-cash items (for example checks) into your account.
Minimum Balance to Open:	$1000.00
Minimum Balance to Obtain the Disclosed Annual Percentage Yield:	You must maintain a minimum daily balance of $1000.00 in your account each day to obtain the disclosed annual percentage yield.
Minimum Balance to Avoid a Fee:	If your balance falls below $1000.00 on any day in the month, your account will be subject to a $5.00 Service Fee for that month.
Deposit Limitations:	You may make unlimited deposits into your account.
Additional Terms:	The following fees and charges apply to this account: Per Check Fee: You may write up to 20 checks per statement cycle. There will be a charge of $.12 per check for each check over 20. This fee is in addition to the $5.00 service charge imposed, should your balance fall below $1000.00.