(A premium investment account which pays interest at rates above savings while permitting limited withdrawal privileges)

1. Transfers to another account or to third parties by preauthorized, automatic, or telephone
   transfer are limited to six per statement cycle with no more than three by check, draft, or
   similar order to third parties.
2. Unlimited access to account with personal over-the-counter transactions in bank offices.
3. Interest varies based on the balance maintained.
   

*** Fees: An excessive transaction fee of $10.00 will be charged for each debit in excess of six per month.
- Effect of closing an account - if an account is closed before the interest is credited on the statement cycle date, any accrued interest will not be paid.