Silver Checking

DISCLOSURE OF ACCOUNT TERMS
FEES AND INTEREST RATES

Rates as of:
August 1, 2003

Rate Information

The interest rate for your account is 0.25 % with an Annual Percentage Yield of 0.25 %. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest for your account will be compounded monthly and credited to your account monthly.
Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time.

Balance Computation Method

We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Effect of Closing an Account

If you close your account before interest is credited, you will not receive the accrued interest.

Minimum Balance Requirements

There is no minimum deposit required to open this type of account.
To obtain the annual percentage yield listed above, you must maintain a minimum balance of $2,500.00 in qualifying balances (aggregate of balances in checking, savings and certificates of deposit in the bank.)
A minimum balance fee of $7.50 will be imposed every month if the daily balance falls below $2,500.00 any day of the month.

Transaction Limitations

Fee Schedule:

Fee to stop payment of a check ....................$ 26.00
Fee for check returns (insufficient funds – per check)...$ 26.00
Fee for initial check printing .......................Varies
(Cost depends on the style of check ordered)

Open Account • Account Features