IRA Money Market Account Truth in Savings Disclosure

Interest Rate Information

• The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Please refer to the interest rate table for the current interest rate and annual percentage yield.

Compounding and Crediting of Interest

• Interest is compounded and credited to your account.
• If you close your account before interest is credited, you will receive the accrued interest.

Accrual of Interest on Noncash Deposits

• Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Minimum Balance Requirements

• You must deposit $25.00 to open this account.
• You must maintain a minimum balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

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.

Transaction Limitations

• You may make unlimited deposits into your account. The minimum amount you may deposit is $25.00
• You may make unlimited withdrawals from your account, given the funds are transferred to another IRA investment option due to IRA rules and regulations.

Additional Account Information

• IRA Transfer Fee: A fee of $50 will be assessed on any IRA from which all or a portion of the funds are being transferred to an IRA with another financial services provider.