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	ATM/Debit Cards Business Fees Business Line of Credit Business Loans... Business Term Loans Commercial Mortgages Overdraft From Operating Line-of-Credit Overdraft Line-of-Credit - Business Business Share Accounts Commercial Mortgage Corporate Credit Cards High Yield Business Accounts Home Banking Letter of Credit SBA Lender Share Draft (Checking) Accounts... Business Plus Share Draft Non-Profit Business Share Draft Business Choice Share Draft Accounts Merchant Services Money Market Share Account - Business Overdraft From High Yield Business Account Rates Money Market Share Account - Business The Money Market Share Account (MMSA) is a savings vehicle offering higher rates of return than other savings accounts. You can obtain higher dividend rates than traditional share and share draft accounts and are allowed unlimited transfers to and from this account within one member number. Features: Dividends paid at the consumer rate Minimum to earn interest is $1,000 Subject to Regulation D restrictions Options: Checks Sweeps In/Out/Both Money Market Share Accounts are great to use when you want higher rates of return coupled with fast liquidity. Unlike Term Share Certificates that have substantial penalties for early withdrawal, the Money Market Share Account allows for penalty-free withdrawals. Limits are set on the number of withdrawals (no more than 6 per month). Savings Rates Account Type APY* RATE Share Savings Account .50% .499% Share Draft Account .15% .150% HSA Account < $500 .25% .25% HSA Account $500 - $2,499 .75% .748% HSA Account $2,500 - $4,999 1.25% 1.243% HSA Account $5,000 - $14,999 1.75% 1.737% HSA Account $15,000 & Up 2.50% 2.472% Other Accounts (Holiday, Vacation, Fuel & Tax) .50% .499% Money Market Share Accounts - $1,000 - $19,999** 0.75% 0.747% Money Market Share Accounts - $20,000 & $34,999 1.00% 0.995% Money Market Share Accounts - $35,000 & Above 1.25% 1.243% All rates subject to change without notice. * Annual Percentage Yield ** The minimum deposit for all Market Share Accounts is $1,000. The minimum amount you must open this account with is $1000.00. This is also the minimum amount to earn dividends. For current rate information, please see our complete rate schedule. After the initial deposit of at least $1000.00 has been made, subsequent and unlimited deposits of $250.00 or more can be made. Consequently, the minimum withdrawal amount is also $250.00. Dividends for MMSA's are calculated on the actual daily balance, compounded and credited to the account monthly. There are currently three tiers of MMSA's that earn dividends: Money Market Share Accounts - $1,000 - $19,999 Money Market Share Accounts - $20,000 & $34,999 Money Market Share Accounts - $35,000 & Above If the balance in the MMSA falls below $1000.00 on any day, the account will not earn dividends for that day. To earn the disclosed APY, the member must maintain a balance of no less than $1000.00 each day of the dividend period. Dividends are not paid on Money Market Share Accounts that are closed before the end of the dividend period. The Money Market Share Account may be accessed through e-Branch Home Banking, or M.A.R.S., our Member Audio Response System, with transfers to another member number subject to the withdrawal limitations noted above. Other share accounts are not subject to these limitations, giving you another avenue to move funds between member numbers while maximizing the higher returns of the MMSA. The funds in the MMSA are insured under the $250,000.00 per member federal insurance coverage provided by the NCUSIF. An online application is not available at this time. Please contact the call center at 888.252.8932 to obtain an application.

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