·  The minimum deposit required to open this account is $2,500.
·  This account is available to anyone, including businesses.
·  At our discretion, we may change the interest rate on your
   account weekly.It is our normal practice to review and/or
   change interest rates every Thursday.
·  Interest begins to accrue no later than the business day we
   receive credit for non-cash items (for example, checks).
·  This is a tiered-rate account. Your interest rate and annual
    percentage yield may change.
·  Interest will be compounded monthly and credited to your
   account on a monthly basis.
·  The interest accrual method is 365/365 days.
·  The monthly minimum balanace fee if the average daily balance
   drops below $2,500 any day of the month is $5.00.
·  Fee for each check or transfer if more than three (3) checks
   and/or six (6) transfers per month ------ $ 5.00.
·  Your check presented against insufficient funds(maximum four
   (4) per day)-$ 25.00 each.
·  Check printing--(fee depends on style of check ordered).
·  You must maintain a minimum daily balance to obtain the
   disclosed annual percentage yield.
·  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.
·  FREE TeleCHIEF Phone Banking.
·  FREE ECHIEF Internet Banking.