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**The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. Balances of $50,000 and above will earn 3.10% APY. Balances of $5,000-$49,999.99 will earn 1.50% APY. Balances of $0-$4,999.99 will earn 0.00% APY. Rates are variable. If the minimum average daily balance requirement is not met, you will not earn the annual percentage yield stated above. You may make six (6) transfers and withdrawals without a fee from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed six (6) transfers and withdrawals, your account may be subject to a fee.