You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield.

Transfers from a money market account to another account or to third parties by pre-authorized, automatic telephone or computer transfer or by check, draft, point-of-sale, or similar order to third parties are limited to 6 per statement cycle. If you exceed the transfer limitations set forth above, your account may be subject to closure.

An excess withdrawal fee of $10 will be charged for each debit in excess of 6 per month.

Interest is paid monthly. The interest rate is calculated using the daily balance method. Premium rates are available when you maintain the following minimum balances in the account each day of the statement cycle:

• $25,000 and up
• $2,500 - $24,999

A $25 service charge will be imposed every statement cycle if the balance in the account falls below $25,000 any day of the cycle.

The premium money market account offers a number of free features, including the following:

• Free E-Alerts
• Free E-Statements
• Free Online & Mobile Banking
• Free ATM Card
• Access to 55,000 free ATMs