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.

7. Minimum opening deposit: $5,000.00. Minimum Daily Balance of $1,000.00 for is the required amount of principal in the account each day to earn the 2.25% Annual Percentage Yield. A monthly service fee will be imposed every month that the average balance falls below $1,000.00. Money Market accounts have limited check-writing capability and a limited number of transactions per statement cycle. 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 on more than one occasion, your MMDA will be converted to a non-interest-bearing checking account. New & existing customers eligible, but funding may not come from a current GSB account.

Guilford Savings Bank, Member FDIC