Fees may reduce earnings. Rates are determined at the Bank's discretion and may be subject to change after account is opened.

1. This account is only available with a Business Select Plus or Business Select Checking account.

2. Average collected monthly balance is the average balance of collected funds, less any uncleared or uncollected deposits.

3. This account is available with any Business Checking account.

5. You may not make more than six (6) pre-authorized check, telephone or internet transfers from your account each statement period. If you exceed the number of transfers allowed, an Excessive Transaction Fee will be assessed.

6. Interest will be paid on excess average collected monthly balances once earnings credits have been applied.

Guilford Savings Bank, Member FDIC