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BUSINESS MONEY MARKET ACCOUNT - Ascencia Bank

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					BUSINESS MONEY MARKET ACCOUNT

RATE INFORMATION

 Your interest rate and annual percentage yield may change.

DETERMINATION OF RATE

 At our discretion, we may change the interest rate on your account.

FREQUENCY OF RATE CHANGES

 We may change the interest rate on your account at any time without prior notice.

COMPOUNDING & CREDITING FREQUENCY

 Interest will be compounded and credited to your account monthly.

EFFECT OF CLOSING AN ACCOUNT

 If you close your account before interest is credited, you will not receive the accrued interest.
 Bringing your account to a zero balance will close your account automatically. If you wish for us to
 close your account and remit the funds to you, the cashier's check fee will apply.

MINIMUM BALANCE TO OPEN THE ACCOUNT

 You must deposit $1,000.00 to open this account.

MINIMUM BALANCE TO AVOID IMPOSITION OF FEES

 A fee of $5.00 will be imposed each monthly statement cycle in which the daily balance falls below
 $1,000.00.

DAILY BALANCE COMPUTATION METHOD

 We use the daily balance method to calculate the interest on your account. This method applies a
 periodic rate to the "collected" daily balance in the account for each day. The interest accrued for
 each day in the period is added together and credited at the end of the period. The period we use is
 the monthly statement cycle.

ACCRUAL OF INTEREST ON NON-CASH DEPOSITS

 Interest begins to accrue no later than the business day we receive credit for the deposit of noncash
 items (for example, checks).

TRANSACTION LIMITATIONS

 You may make six (6) transfers from your account each four (4) week or similar period, by
 preauthorized or automatic transfer, internet transfer, or telephone (including data transmission)
 agreement, order or instruction including transfers made by check, draft, debit card or similar order
 (including POS & ACH transactions), made by the depositor and payable to third parties. Internal
 Loan Payments, Transfers and withdrawals made in person, by messenger, by mail, night drop, or at
 an ATM are unlimited.

FEES

 Excessive ATM cash withdrawal                                     $1.00

 Return Deposit Item                                               $5.00
Stop Payment        $27.00

Returned Item Fee   $29.00

Overdraft Fee       $29.00

				
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