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 Effective Date: September 9, 2019

1. Maintenance or activity fees could reduce earnings on the account.
2. Early Withdrawal Penalty: If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty.  The penalty will be an amount equal to 90 days interest on the amount withdrawn.
3. Early Withdrawal Penalty: If we consent to a request for a withdrawal that is otherwise not permitted you may have to pay a penalty.  The penalty will be an amount equal to 182 days interest on the amount withdrawn.
4. Rates are not guaranteed and are subject to change without notice.
5. Rate may change after the account is opened.
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