Schedule of Fees Deposit Account Agreement Funds Availability Policy Overdraft Protection for Consumers Privacy Policy Electronic Fund Transfer
|
|
- Susan McDaniel
- 6 years ago
- Views:
Transcription
1 Schedule of Fees Deposit Account Agreement Funds Availability Policy Overdraft Protection for Consumers Privacy Policy Electronic Fund Transfer Agreement First Option Checking Free Style Checking Guardian Checking Maximizer Checking Money Market Account Triple Option Certificate of Deposit 3 Month CD 6 Month CD 12 Month CD 18 Month CD 24 Month CD 36 Month CD 48 Month CD
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ Ú Ñ ±² Ý»½µ ²¹ Ì «² Í ª ²¹ Ü ½ ± Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $ ± ±»² ½½±«² ò ÜÑÎÓßÒÌñ ÒßÝÌ ÊÛ ßÝÝÑËÒÌ ÒÚÑÎÓßÌ ÑÒ ß ¼± ³ ² ½½±«² º»» ±º üïðòðð» ³±² ¾» ½ ¹»¼ º» í» ±º ² ½ ª ò ÐÎÑÝÛÍÍ ÒÙ ÑÎÜÛÎ ß ½»¼ ² ½ ±²» ±½»»¼ º ò Ü»¾ ± ¼ º ±³ ±«½½±«² ¾» ±½»»¼ º± ± æ ßÌÓ ²¼ л «±»¼ ² ½ ±² ² ½ ±²± ±¹ ½ ± ¼» ô»² ½»½µ ²¼ ßÝØ ² ½ ±² ²» ²«³¾» ± ¼» ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ò± ² ½ ±² ³ ±² ± ½½±«² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ Ó±²»Í»³»² Ú»» øú»» º± л Í»³»² Ð ³»² ±º Ѫ» ¼ º æ º ±«½½±«² ½µ «ºº ½»² ª ¾» º«²¼ ± ½»½µô ²ó» ±² ¼ ô ßÌÓ ¼ ô ± ³»² ¾ ±»»»½ ±² ½ ³» ² ô» ³ «½ ±ª» ¼ º»³ ±«¼ ½» ±² ²¼ ½ ¹» ±ª» ¼ º º»»ø ½ ¾»ñ ± ¾» ¾ ò Ì» Þ ²µ»» ª»» ¹ ± ³±¼ º ± ¼ ½±² ²» ³»² ±º ±ª» ¼ º ² ³» ±«²± ½»ò º ±º»» ¼± ²±»³ ±«¼ ½»» ² ±ª» ¼ º ±«³ ² «½ «¾ ²¹ ± Ðò Ñò Þ± íîîèîîô ѵ ±³ Ý ô ÑÕ éíïîíô ± ¾ ½ ²¹ Ý«±³» Í» ª ½» øèðð îççóéðìéò ÒÑÌ ÝÛæ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò êï¾ ºïºï󻽺èìîé» ó ø«²ª» ±²»¼ º±½»½µ¹ Ð ¹» ï ±º ï ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
18 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ Ú»» Í» Ý»½µ ²¹ Ì «² Í ª ²¹ Ü ½ ± Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ò± ³ ² ³«³ ¾ ²½»» ³»² ± ½½±«² ò ÜÑÎÓßÒÌñ ÒßÝÌ ÊÛ ßÝÝÑËÒÌ ÒÚÑÎÓßÌ ÑÒ ß ¼± ³ ² ½½±«² º»» ±º üïðòðð» ³±² ¾» ½ ¹»¼ º» í» ±º ² ½ ª ò ÐÎÑÝÛÍÍ ÒÙ ÑÎÜÛÎ ß ½»¼ ² ½ ±²» ±½»»¼ º ò Ü»¾ ± ¼ º ±³ ±«½½±«² ¾» ±½»»¼ º± ± æ ßÌÓ ²¼ л «±»¼ ² ½ ±² ² ½ ±²± ±¹ ½ ± ¼» ô»² ½»½µ ²¼ ßÝØ ² ½ ±² ²» ²«³¾» ± ¼» ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ò± ² ½ ±² ³ ±² ± ½½±«² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ Ó±²»Í»³»² Ú»» øú»» º± л»³»² Ð ³»² ±º Ѫ» ¼ º æ º ±«½½±«² ½µ «ºº ½»² ª ¾» º«²¼ ± ½»½µô ²ó» ±² ¼ ô ßÌÓ ¼ ô ± ³»² ¾ ±»»»½ ±² ½ ³» ² ô» ³ «½ ±ª» ¼ º»³ ±«¼ ½» ±² ²¼ ½ ¹» ±ª» ¼ º º»»ø ½ ¾»ñ ± ¾» ¾ ò Ì» Þ ²µ»» ª»» ¹ ± ³±¼ º ± ¼ ½±² ²» ³»² ±º ±ª» ¼ º ² ³» ±«²± ½»ò º ±º»» ¼± ²±»³ ±«¼ ½»» ² ±ª» ¼ º ±«³ ² «½ «¾ ²¹ ± Ðò Ñò Þ± íîîèîîô ѵ ±³ Ý ô ÑÕ éíïîíô ± ¾ ½ ²¹ Ý«±³» Í» ª ½» ïóèððóîççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ½ïêî»í ½óðððððððð ó ø«²ª» ±²»¼ º» Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
19 ÒÑÌ ÝÛæ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ½ïêî»í ½óðððððððð ó ø«²ª» ±²»¼ º» Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
20 MINIMUM BALANCE REQUIREMENTS You must deposit $ to open this account. FIRST FIDELITY BANK PO Box Oklahoma City, OK (800) GUARDIAN CHECKING TRUTH IN SAVINGS DISCLOSURE DORMANT/INACTIVE ACCOUNT INFORMATION A dormant account fee of $10.00 per month will be charged after 3 years of inactivity. PROCESSING ORDER All credit transactions are processed first. Debits or Withdrawals will be processed as follows: ATM and Preauthorized transactions in Chronological order, then checks and ACH transactions in serial number order. FEES AND CHARGES The following fees and charges may be assessed against your account: Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon A monthly service charge of $6.00 will be assessed on this account TRANSACTION LIMITATIONS No transaction limitations apply to this account. CHECKING ACCOUNT WITH SUBACCOUNTS. This provision only applies to your account if it is a transaction account, such as a checking account or a NOW account. Your account consists of two subaccounts: A checking subaccount and a savings subaccount. The checking subaccount is your transaction account. We may use either a savings account or money market account as your savings subaccount. If the amount of money in your checking subaccount exceeds a certain threshold amount, as determined in our sole discretion, we will transfer the amount above the threshold into your savings subaccount. We will make this transfer at the beginning of each monthly statement period. If on any day the daily beginning balance in your checking subaccount is less than the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period. The transfers between the subaccounts will occur only on our books and will not affect the balance, interest, fees, or features of your account. Other than as described above, the Deposit Account Agreement controls your account as if there were no subaccounts. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT Monthly estatement Free (Fee for Paper Statements) First Option is an additional product and may be selected for this account. An additional $6 charge will be assessed bringing the total fees assessed to $12 Payment of Overdrafts: If your account lacks sufficient available funds to pay a check, in-person withdrawal, ATM withdrawal, or payment by other electronic means, we may pay such overdraft items at our discretion and charge overdraft fee(s) as applicable/allowable by law. The Bank reserves the right to modify or discontinue the payment of overdrafts at any time without notice. If you prefer that we do not pay items that would create an overdraft you may instruct us by writing to P. O. Box , Oklahoma City, OK 73123, or by calling Customer Service at (800) NOTICE: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may also report adverse information about your account to other consumer reporting agencies such as check reporting systems. (C) , Compliance Systems Inc. Tue Feb 23 09:00: grdcking.dsc Page 1
21 FIRST FIDELITY BANK PO Box Oklahoma City, OK (800) Maximizer Checking Truth in Savings Disclosure TIERED VARIABLE RATE INFORMATION If your average daily balance is equal to or greater than $1, but less than $10,000.00, the interest rate paid on the entire balance in your account will be 0.050%, with an annual percentage yield of 0.05%. If your average daily balance is equal to or greater than $10, but less than $50,000.00, the interest rate paid on the entire balance in your account will be 0.050% with an annual percentage yield of 0.05%. If your average daily balance is equal to or greater than $50,000.00, the interest rate paid on the entire balance in your account will be 0.200% with an annual percentage yield of 0.20%. 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. Limitations on Rate Changes There are no maximum or minimum interest rate limits for this account. COMPOUNDING AND CREDITING Interest will not be compounded and will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. MINIMUM BALANCE REQUIREMENTS You must deposit $ to open this account. A minimum balance fee of $12.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1, The minimum balance fee will not be imposed if $10,000 is on deposit in linked First Fidelity Bank account(s). You must maintain a minimum average daily balance of $1, to obtain the disclosed annual percentage yield. DORMANT/INACTIVE ACCOUNT INFORMATION A dormant account fee of $10.00 per month will be charged after 3 years of inactivity. PROCESSING ORDER All credit transactions are processed first. Debits or withdrawals from your account will be processed as follows: ATM and Preauthorized transactions in chronological order, then checks and ACH transactions in serial number order. BALANCE COMPUTATION METHOD We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The average daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the average daily balance on which interest is paid. ACCRUAL ON NONCASH DEPOSITS Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). FEES AND CHARGES Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request. TRANSACTION LIMITATIONS No transaction limitations apply to this account. CHECKING ACCOUNT WITH SUBACCOUNTS. This provision only applies to your account if it is a transaction account, such as a checking account or a NOW account. Your account consists of two subaccounts: A checking subaccount and a savings subaccount. The checking subaccount is your transaction account. We may use either a savings account or money (C) , Compliance Systems Inc. Thu Feb 18 11:07: maxizckg.dsc Page 1
22 market account as your savings subaccount. If the amount of money in your checking subaccount exceeds a certain threshold amount, as determined in our sole discretion, we will transfer the amount above the threshold into your savings subaccount. We will make this transfer at the beginning of each monthly statement period. If on any day the daily beginning balance in your checking subaccount is less than the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period. The transfers between the subaccounts will occur only on our books and will not affect the balance, interest, fees, or features of your account. Other than as described above, the Deposit Account Agreement controls your account as if there were no subaccounts. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT Monthly estatement free ($2 Fee for Paper Statements) Payment of Overdrafts: If your account lacks sufficient available funds to pay a check, in-person withdrawal, ATM withdrawal, or payment by other electronic means, we may pay such overdraft items at our discretion and charge overdraft fee(s) as applicable/allowable by law. The Bank reserves the right to modify or discontinue the payment of overdrafts at any time without notice. If you prefer that we do not pay items that would create an overdraft, you may instruct us by writing to P.O. Box 32282, Oklahoma City, OK 73123, or by calling Customer Service at (800) NOTICE: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may also report adverse information about your account to other consumer reporting agencies such as check reporting systems. CURRENT RATE INFORMATION The rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 02/18/2016. To obtain current rate and annual percentage yield information, please call (800) (C) , Compliance Systems Inc. Thu Feb 18 11:07: maxizckg.dsc Page 2
23 FIRST FIDELITY BANK PO Box Oklahoma City, OK (800) Money Market Account Truth in Savings Disclosure TIERED VARIABLE RATE INFORMATION If your average daily balance is equal to or greater than $2, but less than $10,000.00, the interest rate paid on the entire balance in your account will be 0.050%, with an annual percentage yield of 0.05%. If your average daily balance is equal to or greater than $10, but less than $50,000.00, the interest rate paid on the entire balance in your account will be 0.100% with an annual percentage yield of 0.10%. If your average daily balance is equal to or greater than $50,000.00, the interest rate paid on the entire balance in your account will be 0.200% with an annual percentage yield of 0.20%. 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. Limitations on Rate Changes There are no maximum or minimum interest rate limits for this account. COMPOUNDING AND CREDITING Interest will not be compounded and will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest. MINIMUM BALANCE REQUIREMENTS You must deposit $ to open this account. A minimum balance fee of $15.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $2, You must maintain a minimum average daily balance of $2, to obtain the disclosed annual percentage yield. DORMANT/INACTIVE ACCOUNT INFORMATION A dormant account fee of $10.00 per month will be charged after 3 years of inactivity. PROCESSING ORDER All credit transactions are processed first. Debits or withdrawals from your account will be processed as follows: ATM and Preauthorized transactions in chronological order, then checks and ACH transactions in serial number order. BALANCE COMPUTATION METHOD We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The average daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the average daily balance on which interest is paid. ACCRUAL ON NONCASH DEPOSITS Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). FEES AND CHARGES Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request. TRANSACTION LIMITATIONS You may make only six withdrawals or transfers from your account each statement cycle. Excessive withdrawals or transfers will be charged $15.00 per item. CHECKING ACCOUNT WITH SUBACCOUNTS. This provision only applies to your account if it is a transaction account, such as a checking account or a NOW account. Your account consists of two subaccounts: A checking subaccount and a (C) , Compliance Systems Inc. Tue Feb 23 16:04: monmarkt.dsc Page 1
24 savings subaccount. The checking subaccount is your transaction account. We may use either a savings account or money market account as your savings subaccount. If the amount of money in your checking subaccount exceeds a certain threshold amount, as determined in our sole discretion, we will transfer the amount above the threshold into your savings subaccount. We will make this transfer at the beginning of each monthly statement period. If on any day the daily beginning balance in your checking subaccount is less than the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period. The transfers between the subaccounts will occur only on our books and will not affect the balance, interest, fees, or features of your account. Other than as described above, the Deposit Account Agreement controls your account as if there were no subaccounts. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT Monthly estatements Free (Fee for Paper Statements) Rates and tiers subject to change at any time. Payment of Overdrafts: If your account lacks sufficient available funds to pay a check, in-person withdrawal, ATM withdrawal, or payment by other electronic means, we may pay such overdraft items at our discretion and charge overdraft fees(s) as applicable/allowable by law. The Bank reserves the right to modify or discontinue the payment of overdrafts at any time without notice. If you prefer that we do not pay items that would create an overdraft, you may instruct us by writing to P. O. Box 32282, Oklahoma City, OK 73123, or by calling Customer Service at (800) NOTICE: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may also report adverse information about your account to other consumer reporting agencies such as check reporting systems. CURRENT RATE INFORMATION The rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 02/23/2016. To obtain current rate and annual percentage yield information, please call (800) (C) , Compliance Systems Inc. Tue Feb 23 16:04: monmarkt.dsc Page 2
25 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ Ì» Ñ ±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².75 û ² ²² ½»² ¹»» ¼ øßðç ±º.75 ûò DZ«¾» ¼» «² ³ «ò ß¼¼ ±² λ ²º± ³ ±² DZ«ª»» ± ±² ± ²½»»»» ±² ±«ÝÜ ±²½»»ª»» ª» ³±² ô ²± ±» ½»»¼»» ³» ¼«²¹»» ³ ±º» ÝÜò º ±«½ ±±» ± ²½»»»» ±º ±«ÝÜô» ª ¾»» ½±» ±²¼» ½²» ±ºº»»¼ ¾» Þ ²µ º±»»³ ² ²¹» ³ ±º» ÝÜ» ³» ±º»» º± ²½»»ò DZ«³ »» ²½»» ²¼ ³ ¼± ± ¾ ²¹ ± «Ðò Ñò Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí ± ½ ²¹ èððóîççóéðìéò Ì»» ²½»» ¾»½±³»»ºº»½ ª» ²»» ¾«²» ¼ º»»»½» ª» ± ²¼ ¾» ²»ºº»½ º±»»³ ² ²¹» ³ ±º ±«ÝÜò Ì» ²» ²»»» ²± ¾»»¼» ± ½ ª» ²¼ ²± ºº»½»» ³ ± ³ «¼» ±º ±«ÝÜò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» compound daily ²¼ ¾» credited to your account quarterly ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ì» ¾ ²µ ¼±» ²± ³ µ» ² ¹«²»»» ½±» ±²¼ ²¹» ¾» ¹» ² ± ² ¼«²¹»»²»» ³ ±º ±«ÝÜò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼» ± ² ± ± ¼ º ±³ ±«½½±«² «²» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 4 years ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ±«²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ððêéîìðè󻽺èìîé» ó ø«²ª» ±²»¼ ± ìè³ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
26 DZ«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ððêéîìðè󻽺èìîé» ó ø«²ª» ±²»¼ ± ìè³ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
27 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ í Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².10 û ² ²² ½»² ¹»» ¼ øßðç ±º.10 ûò DZ«¾» ¼» «² ³ «ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» not compound ²¼ ¾» credited to your account at maturity ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² «± ± ±º üîëôðððòððô ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 3 months ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò éê꺼î¾ì󻽺èìîé» ó ø«²ª» ±²»¼ í³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
28 º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò éê꺼î¾ì󻽺èìîé» ó ø«²ª» ±²»¼ í³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
29 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ ê Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².20 û ² ²² ½»² ¹»» ¼ øßðç ±º.20 ûò DZ«¾» ¼» «² ³ «ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» not compound ²¼ ¾» credited to your account at maturity ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² «± ± ±º üîëôðððòðð ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 6 months ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ðî¼¼¼ éê󻽺èìîé» ó ø«²ª» ±²»¼ ê³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
30 º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ðî¼¼¼ éê󻽺èìîé» ó ø«²ª» ±²»¼ ê³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
31 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ ïî Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².30 û ² ²² ½»² ¹»» ¼ øßðç ±º.30 ûò DZ«¾» ¼» «² ³ «ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» not compound ²¼ ¾» credited to your account at maturity ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² ô «± ± ±º üîëôðððòðð ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 12 months ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò é½½îçîðí󻽺èìîé» ó ø«²ª» ±²»¼ ïî³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
32 º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛæ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò é½½îçîðí󻽺èìîé» ó ø«²ª» ±²»¼ ïî³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
33 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ ïè Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².35 û ² ²² ½»² ¹»» ¼ øßðç ±º.35 ûò DZ«¾» ¼» º± òòò ø ³»» ±¼ ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» compound daily ²¼ ¾» credited to your account quarterly ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÜÑÎÓßÒÌñ ÒßÝÌ ÊÛ ßÝÝÑËÒÌ ÒÚÑÎÓßÌ ÑÒ ß ¼± ³ ² ½½±«² º»» ±º üðòðð» ³±² ¾» ½ ¹»¼ º» ³±² ±º ² ½ ª ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ±²» ¾«²» ¼ ±«¼» ± ²±²½»³ øº±» ³»ô ½»½µ ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² «± ± ±º üîëôðððòðð ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 18 months ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò º¼ðºº½çî󻽺èìîé» ó ø«²ª» ±²»¼ ïè³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
34 ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò º¼ðºº½çî󻽺èìîé» ó ø«²ª» ±²»¼ ïè³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
35 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ îì Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².50 û ² ²² ½»² ¹»» ¼ øßðç ±º.50 ûò DZ«¾» ¼» «² ³ «ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» compound daily ²¼ ¾» credited to your account quarterly ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² ô «± ± ±º üîëôðððòðð ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 24 months ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò»ê¾ïïðð󻽺èìîé» ó ø«²ª» ±²»¼ îì³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
36 º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò»ê¾ïïðð󻽺èìîé» ó ø«²ª» ±²»¼ îì³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
37 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ íê Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².65 û ² ²² ½»² ¹»» ¼ øßðç ±º.65 ûò DZ«¾» ¼» «² ³ «ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» compound daily ²¼ ¾» credited to your account quarterly ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² ô «± ± ±º üîëôðððòðð ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 36 months ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ë¾î¼¾ê¾ë󻽺èìîé» ó ø«²ª» ±²»¼ íê³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
38 º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò ë¾î¼¾ê¾ë󻽺èìîé» ó ø«²ª» ±²»¼ íê³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
39 Ú ÎÍÌ Ú ÜÛÔ ÌÇ ÞßÒÕ ÐÑ Þ± íîîèî ѵ ±³ Ý ô ÑÕ éíïîí øèðð îççóéðìé òºº¾ò½±³ ìè Ó±² Ý» º ½» ±º Ü» ± Ì «² Í ª ²¹ Ü ½ ± Ú ÈÛÜ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì» ²»»» ±² ±«½½±«².75 û ² ²² ½»² ¹»» ¼ øßðç ±º.75 ûò DZ«¾» ¼» «² ³ «ò ÝÑÓÐÑËÒÜ ÒÙ ßÒÜ ÝÎÛÜ Ì ÒÙ ²»» compound daily ²¼ ¾» credited to your account quarterly ò Ì» ²² ½»² ¹»» ¼ «³» ²»»»³ ² ±² ¼» ± «² ³ «ò ß ¼»¼«½»» ² ²¹ ò º ²»» ½»¼»¼ ± ²±» ½½±«² ± ¼ ± ±«¾ ½»½µô ³»¼«½»» ² ²¹ ²¼ ³ ²»¹»»»ºº»½ ±º ²»» ½±³ ±«²¼ ²¹ò º ±«½ ±» ±«½½±«² ¾»º±» ²»» ½»¼»¼ô ±«²±»½» ª»» ½½ ¼ ²»» ò Ó Ò ÓËÓ ÞßÔßÒÝÛ ÎÛÏË ÎÛÓÛÒÌÍ Ç±«³«¼» ± $2, ± ±»² ½½±«² ò ÞßÔßÒÝÛ ÝÑÓÐËÌßÌ ÑÒ ÓÛÌØÑÜ É» » ¼ ¾ ²½» ³» ±¼ ± ½ ½ ²»» ±² ±«½½±«² ò Ì ³» ±¼» ¼» ±¼ ½» ±» ²½ ²» ½½±«²» ½ ¼ ò Ì» ¼ ¾ ²½»» »² ½ ½«²¹ ²»»» ½±»½»¼ ¾ ²½»ò Ì ³» ²» ±² ²½ «¼» ±» º«²¼ º± ½» ª» ½ ½» ª»¼ ³»²»²» ¼»» ³ ²»» ¾ ²½» ±² ½ ²»» ¼ò ßÝÝÎËßÔ ÑÒ ÒÑÒÝßÍØ ÜÛÐÑÍ ÌÍ ²»» ¾»¹ ² ± ½½ ²±» ²» ¾«²» ¼»»½» ª» ½»¼ º±» ¼» ± ±º ²±²½»³ øº±» ³»ô ½»½µ ò ÚÛÛÍ ßÒÜ ÝØßÎÙÛÍ Ð»»»º» ±»»» º»» ½»¼ ±ª ¼»¼ ± ±«¼ ½ ± º± ²º± ³ ±² ¾±«º»» ²¼ ½ ¹» ±½»¼ ½½±«² ò ß º»» ½»¼ ¾» ±ª ¼»¼ ± ± ³» ±«±»² ² ½½±«² ô» ±¼ ½»² º»» ± ½ ¹» ½ ²¹»ô ²¼ «±²» ò ÌÎßÒÍßÝÌ ÑÒ Ô Ó ÌßÌ ÑÒÍ Ç±«³ ²± ³ µ» ¼ º ±³ ±«½½±«² «²» ³ «¼»ò Ü» ± ³ ¾» ³ ¼» ² üïôðððòðð ²½»³»² ô «± ± ±º üîëôðððòðð ²» º º ±º»» ³ ±º» ½» º ½» ±º ¼» ± ò ß¼¼ ±² ¼» ± ²± ½ ²¹»» ³ «¼»ò ÓßÌËÎ ÌÇ ÜßÌÛ Ç±«½½±«² ³ in 48 months ò ÛßÎÔÇ É ÌØÜÎßÉßÔ ÐÎÑÊ Í ÑÒÍ É» ³ ±»»² º ±«¼ ² ± ±º» º«²¼ ¾»º±»» ³ «¼»ò Ì»»² ³ ±»¼» «îû ±º» ³±«² ¼ ²ò ß²» ¼»² ³ ²ª ¼» ²½ ò ÎÛÒÛÉßÔ ÐÑÔ Ý ÛÍ Ç±«½½±«² «±³ ½»²» ³ «ò DZ«ª» ¹ ½»» ±¼ ±º ïð ½»²¼ ¼ º»» ³ «¼» ± ¼» º«²¼ ²» ½½±«² ±«¾» ²¹ ½ ¹»¼ ²» ¼»² ò ÝØÛÝÕ ÒÙ ßÝÝÑËÒÌ É ÌØ ÍËÞßÝÝÑËÒÌÍò Ì ±ª ±² ±²» ± ±«½½±«² º ² ½ ±² ½½±«² ô «½ ½»½µ ²¹ ½½±«² ± ÒÑÉ ½½±«² ò DZ«½½±«² ½±² ±º ± «¾ ½½±«² æ ß ½»½µ ²¹ «¾ ½½±«² ²¼ ª ²¹ «¾ ½½±«² ò Ì» ½»½µ ²¹ «¾ ½½±«² ±«² ½ ±² ½½±«² ò É» ³ »» ª ²¹ ½½±«² ± ³±²» ³ µ» ½½±«² ±«ª ²¹ «¾ ½½±«² ò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò êïí½¼é½ó»½ºèìîé» ó ø«²ª» ±²»¼ ìè³±½¼ Ð ¹» ï ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
40 º» ³±«² ±º ³±²» ² ±«½»½µ ²¹ «¾ ½½±«²» ½»»¼ ½» ²» ± ¼ ³±«² ô ¼»» ³ ²»¼ ² ±«±» ¼ ½» ±²ô» ² º»» ³±«² ¾±ª»»» ± ¼ ² ± ±«ª ²¹ «¾ ½½±«² ò É» ³ µ» ² º»» ¾»¹ ²² ²¹ ±º» ½ ³±²»³»²» ±¼ò º ±² ² ¼» ¼ ¾»¹ ²² ²¹ ¾ ²½» ² ±«½»½µ ²¹ «¾ ½½±«²» ²» ± ±º» ²» ¼»¾ ø «½ ½»½µ ²¼ ±» ¼ ô»² ³±²» ¾» «±³ ½ ² º»»¼ º ±³ ±«ª ²¹ «¾ ½½±«² ¾ ½µ ± ±«½»½µ ²¹ «¾ ½½±«² ò Ì» ³±«² ² º»»¼ ¾ ½µ ±» ½»½µ ²¹ «¾ ½½±«² ¾»» ± ±º» ¼»¾ ³ ² ¼ ¾»¹ ²² ²¹ ¾ ²½»ô ¾«²±» ½»»¼» ³±«² ±º ³±²» ²» ª ²¹ «¾ ½½±«² ò º ² º» º ±³» ª ²¹ «¾ ½½±«² ±» ½»½µ ²¹ «¾ ½½±«² ±½½«¼«²¹ ²»³»²» ±¼ô»²»»²» ¾ ²½» ±º» ª ²¹ «¾ ½½±«² ¾» ² º»»¼ ± ±«½»½µ ²¹ «¾ ½½±«² º±»»³ ²¼» ±º»³»²» ±¼ò Ì» ² º» ¾»»»²» «¾ ½½±«² ±½½«±² ±² ±«¾±±µ ²¼ ²± ºº»½» ¾ ²½»ô ²»» ô º»» ô ± º» ±º ±«½½±«² ò Ñ» ² ¼» ½ ¾»¼ ¾±ª»ô» Ü» ± ß½½±«² ß¹»»³»² ½±² ± ±«½½±«² º»»»» ²± «¾ ½½±«² ò ßÜÜ Ì ÑÒßÔ ÒÚÑÎÓßÌ ÑÒ ÎÛÙßÎÜ ÒÙ ÇÑËÎ ßÝÝÑËÒÌ ÒÑÌ ÝÛ É» ³» ± ²º± ³ ±² ¾±«±«½½±«² ± ½»¼ ¾ «ò Ô» ³»² ô ³»¼ ³»² ô ± ±» ¼»º «±² ±«½½±«² ³ ¾»»º»½»¼ ² ±«½»¼» ± ò É» ³ ±» ± ¼ª»» ²º± ³ ±² ¾±«±«½½±«² ± ±» ½±² «³»» ± ²¹ ¹»²½» «½ ½»½µ» ± ²¹»³ ò ÝËÎÎÛÒÌ ÎßÌÛ ÒÚÑÎÓßÌ ÑÒ Ì»»ø ²¼ ²² ½»² ¹»» ¼ø ¼ ½ ±»¼ ¾±ª»»» ±ºº»»¼ ²» ³±»½»²»ª»² ½»²¼ ¼ ô ²¼»» ½½ ±º date of opening ò ̱ ±¾ ² ½²» ²¼ ²² ½»² ¹»» ¼ ²º± ³ ±²ô»» ½ øèðð îççóéðìéò w îðïëô ݱ³ ²½» Í»³ ô ²½ò ß Î ¹ λ» ª»¼ò êïí½¼é½ó»½ºèìîé» ó ø«²ª» ±²»¼ ìè³±½¼ Ð ¹» î ±º î ò½±³ ²½»»³ ò½±³ èððóçêèóèëîî ó Ú êïêóçëêóïèêè
Autism and Understanding. T h e Wa l d o n A p p ro a c h t o C h i l d D eve l o p m e nt
Autism and Understanding T h e Wa l d o n A p p ro a c h t o C h i l d D eve l o p m e nt Walter Solomon with Chris Holland and Mary Jo Middleton 00-Solomon-4346-Prelims.indd 3 14/03/2012 3:26:47 PM Walter
More information¼»½»¼ ± Ð ß ³»³¾» ó» ½ «ª» ²¼«Î» ±«½» Ý»²»
¾«²» ½±² ²¹»²½ ² ÏÍçðïïéóðéñïî ² ±¼«½ ±² Ì» ³ ² ³ ±² ±º ² ² «²½» ¹»²½ ± ±ª ¼»» «³± ² ½«±³»» ª ½» ±» ½»² ò Ì ²± ±² ³» ² ²¼ ²¹» ¼ ó ±ó¼ ± µ ²¹ ±º» ¹»²½ ô ¾«± ±«½»² ²± ³»» ½ ½«³ ²½»» ± ô º± ³» ô» ½±«¼ ª»
More informationIntroduction Copyright Reports Borehole and Test Pit Logs Groundwater
Introduction These notes have been provided to amplify DP's report in regard to classification methods, field procedures and the comments section. Not all are necessarily relevant to all reports. DP's
More informationInstallation Guide. Product Code: ISGN1100-SSTFLTR. P: F: Page 1 of 14 PRODUCT #: ISGN1100- SSTFLTR
Installation Guide PRODUCT #: ISGN1100- SSTFLTR ITEM: In-Sink-Erator Hot Filter Water BRAND: In-Sink-Erator SOURCE FOR PURCHASE: SpaEquip Inc. 211 Wappo Ave Calistoga, CA 94515 (707) 737-1100 www.spaequip.com
More informationݱ² «³» Ð ±¼«½ Í º» ݱ³³ ±² Ý ¾±² Ó±²± ¼» Ï ±² ²¼ ß²»
ÝÐÍÝ Ø±³» â Ы¾ ½ ±² â ݲ ݱ² «³» Ð ±¼«½ Í º» ݱ³³ ±²» ÝÐÍÝ Ü±½«³»² ýìêê ïò É ½ ¾±² ³±²± ¼» øýñ ²¼ ± ±¼«½»¼á Ý ¾±² ³±²± ¼» øýñ ¼» ¼ ô ½± ±» ô ±¼±» ô ± ±²±«¹ ò ±¼«½»¼ ¾» ²½±³»» ¾«² ²¹ ±º ª ±«º ô ²½ «¼ ²¹
More informationPersonal Banking Deposit Rates
Personal Banking Deposit Rates Savings Money Market Checking Savings 1,2 Money Market 1,2 Premium Interest 1 $0.01 to $999.99 0.01% 0.01% $0.01 to $999.99 0.00% 0.00% $0.01 to $999.99 0.01% 0.01% $1,000
More informationPersonal Banking Deposit Rates
Personal Banking Deposit Rates Savings Money Market Checking Savings 1,2 Money Market 1,2 Premium Interest 1 $0.01 to $999.99 0.01% 0.01% $0.01 to $999.99 0.00% 0.00% $0.01 to $999.99 0.01% 0.01% $1,000
More informationClient: Kommunalkredit Austria AG, Türkenstraße 9, A-1092 Wien, Phone: (+43-1) , Fax: (+43-1) ,
Û ² óý±² ½ ²¹ º$ Û²» ¹ л º± ³ ²½» µ» ²» ݱ² ½ ²¹ «²¼ ³» ¹ ±A» º± Ù»³» ²¼»² ͳ ²¼ ² Ó»¼ «³óÍ»¼ J»» ½ æ Ó«² ½» æ Û ² Î ¹»¾» ò Ù«¼» ²» º± Í«½½» ßÐÎ Ô îððð ENERGY Û²» ¹ л º± ³ ²½» ݱ² ½ ²¹ º± ͳ ²¼ Ó»¼
More informationAPY. Rate APY. Rate APY. Rate
Bank of the West Sheet (Online Account Opening) and Annual Percentage Yield () - Accurate as of 12-14-2017 rates are variable and may change as frequently as daily Bank of the West: North Dakota Consumer
More informationTechnical Service Bulletin
1301 Stahley Drive Building #42 Nappanee, IN 46550 Newmar Corporation Warranty Department Technical Service Bulletin Date Issued Model Year(s) Affected TSB # 11/16/2015 2016 434 Brand Bay Star Sport Ventana
More informationWELCOME STEARNS BANK CUSTOMERS CUSTOMER GUIDE
WELCOME STEARNS BANK CUSTOMERS CUSTOMER GUIDE Trust. Integrity. Since 1922. NMLS #463813 Table of Contents Transition Overview...2 Service Interruptions Over the Transition Weekend...2 Debit Cards...
More informationTRIANGLE ENGINEERING OF ARKANSAS GENERAL LIST PRICE CATALOG
TRIANGLE ENGINEERING OF ARKANSAS GENERAL LIST PRICE CATALOG MODEL NUMBER EXPLANATION 1 PORTABLE FLOOR FANS GENTLE BREEZE 2 HEAT BUSTER 3 PORTABLE COOLER 4 PVI & MISTER KITS 5 INDUSTRIAL WALL MOUNT EXHAUST
More informationBasic rules. Scenarios. Scenario 1: Secondary conductors from a feeder-tapped transformer
COMMENTS 5 Similar to feeder taps, covered in the last issue, transformer secondary conductors can be every bit as confusing. Let's take a closer look at 240.21(C) to help clear up any misconceptions.
More informationMKV-Capacitor B25836-A4197-A372 4RB AB 40
MKV-Capacitor B25836-A4197-A372 4RB3 100-5 AB 40 Characteristics C N U N f N Q N I N 3x 66,3 µf +10/-5 % AC 400 V 50 Hz 60 Hz 10 kvar 12 kvar 3x 14 A 17 A Label δ 0 0,2 W/kvar (dielectric) The information
More informationSubject: Inter-Club New York Produce Exchange Agreement September 2011 Amendments
Subject: Inter-Club New York Produce Exchange Agreement September 2011 Amendments Circular to Assureds (no 008 2011) Introduction Last week the International Group (the IG ) published a Circular to their
More informationSite Classification Summary Report
Douglas Partners Pty Ltd ABN 75 053 980 117 www.douglaspartners.com.au Unit 2, 73 Sheppard Street Hume ACT 2620 PO Box 1487 Fyshwick ACT 2609 Phone (02) 6260 2788 Fax (02) 6260 1147 Site Classification
More informationList of Terms and Conditions for micro-, small and medium- sized Customers* of Commerzbank Zrt.
Commerzbank Zrt. List of Terms and Conditions for micro-, small and medium- sized Customers* of Commerzbank Zrt. * Micro, small and medium-sized businesses are in the classification of the Commerzbank
More informationCITY OF SANTA CLARA. RATE OPTIONS: Non Time of Use Time of Use CUSTOMER CHARGE For Each Service Address per meter per month $ $306.
Sheet 1 of 6 DESCRIPTION OF SERVICE This Schedule is optional to Customers who occupy one or more demand-metered service addresses served by Silicon Valley Power (SVP), where electric service from SVP
More information49 2 ß Vol.49 No Ñ 2 Đ ACTA METALLURGICA SINICA Feb pp
9 2 ß Vol.9 No.2 2013 Ñ 2 Đ 207 213 ACTA METALLURGICA SINICA Feb. 2013 pp.207 213 HCO 3, SO 2 Cl Û Cu ÊÖ ßÈ ±» ³ µ (µ½ Ы ӫ٠ýҺ ÇÉ, Ê 110016) HCO 3 Õ Å 8 mol/l ÐÕ Ù SO 2 Cl, Ñ ÉÇ Ç ³Ì Đ SEM, Ú Cu ÉÇ
More informationAir probe features. Air probe styles
ß Ð ±¾» ö º± Ý»½µ ²¹ ²» ² Ü ³»» * ir probes are also referred to as air plug gages or air spindles by some manufacturers. ir probes with body diameters from.044"(1.1 mm) to 6.26"(160 mm) are supplied from
More informationCommerzbank Zrt. List of Terms and Conditions for Corporate Customers of Commerzbank Zrt.
Commerzbank Zrt. List of Terms and Conditions for Corporate Customers of Commerzbank Zrt. Page 2 List of Terms and Conditions for Corporate Customers of Commerzbank Zrt. effective as of January 2, 2013
More informationFrom Arthur Castrissios Date 27 July 2016
Douglas Partners Pty Ltd ABN 75 053 980 117 www.douglaspartners.com.au 1/1 Luso Drive Unanderra NSW 2526 PO Box 486 Unanderra NSW 2526 Phone (02) 4271 1836 Fax (02) 4271 1897 Memorandum To Edenvell Pty
More informationEspesor de Escama (mm)
Û² ½«» ¼±²¼»» 7ô»²»³± ± «½ -² ò¹»²»¹ ½»ò½±³ ÜÛÍÝÎ ÐÝ ÑÒ ÜÛÔ ÚËÒÝ ÑÒßÓ ÛÒÌÑ è Ü» ½ ½ ±² ¼» º«²½ ±² ³»² ± Ó ²»² ³»² ± ³ ² ³± ÙÛÒÛÎßÜÑÎÛÍ ÜÛ Ø ÛÔÑ ÛÒ ÛÍÝßÓßÍ ÐÎÑÜËÝÝ ÑÒ Ü ßÎ ß Especificaciones de operación
More informationFees and Commissions for the Erste EgySzámla Account Package
Fees and Commissions for the Erste EgySzámla Account Package Published on: 15 February 2018 Effective from: 16 April 2018 Reason of the changes:price increase according to the change of Consumer Price
More informationRequest For Information : 26
SHS Title IX and Upgrades Request For Information : 26 Subject: Epoxy Dowel CMU Vertical Rebar Author: Riley Tobin Held By: Riley Tobin Date Created: 07.27.2015 09:43am Date Due: 07.28.2015 RFI Status:
More informationSlide units for pneumatic cylinders M and K series. Slide unit with protruding shafts. Slide unit with fully protected cylinder
Slide s for pneumatic cylinders M and K series Slide with protruding shafts Ö ïîòòò Ö ïðòòò Ö ïïòòò Ö ïîòòòþ Slide with fully protected cylinder Ö ïìòòò Ö ïìòòòþ Slide with central mounting (semi-external
More informationInconsolata: TEX support
Inconsolata: TEX support Karl Berry (karl@freefriends.org) September 6, 2010 Inconsolata is a monospaced ( typewriter ) font designed by Raph Levien. (It is used for the typewriter material throughout
More informationBACS APPROVED BUREAU SCHEME SUPPORT GUIDELINES
BACS APPROVED BUREAU SCHEME SUPPORT GUIDELINES VERSION 2.03 10 NOVEMBER 2017 CONTENTS 1 DOCUMENT INFORMATION... 3 1.1 VERSION HISTORY... 3 1.2 COPYRIGHT STATEMENT... 3 2 INTRODUCTION... 4 2.1 BACS PAYMENT
More informationFiscal Year Audit Package PART 2
Fiscal Year 2014-15 Audit Package PART 2 December 8, 2015 Table of Contents PART 2 Note: This table of contents is for the complete audit package presentation. The individual audits have their own table
More informationCOMMERCIAL RATE SCHEDULES
COMMERCIAL RATE SCHEDULES AVAILABILITY APPLICABLE This schedule is available at points on the Cooperative s interconnected system where existing facilities of adequate capacity and desired phase and voltage
More informationANNOUNCEMENT on Welcome Account package
Conditions depending on account package: Sight interest paid on current account Annual sight interest rate of current account 0.00% EBKM (standard deposit rate) of current account 0.00% Interest paid quarterly
More informationBuy All Sell All Rider for Interconnection of Renewable Generation
for Interconnection of Renewable Generation I. Availability Available to each Customer of Fayetteville Public Works Commission (PWC) that purchases retail electricity from PWC and that owns and operates
More informationOregon Withholding Tax Tables
Oregon Withholding Tax Tables Effective January 1, 2007 To: Oregon Employers The Oregon Withholding Tax Tables include: Things you need to know. The standard tax tables for all payroll periods. The computer
More informationJEA Distributed Generation Policy Effective April 1, 2018
Summary This JEA Distributed Generation Policy is intended to facilitate generation from customer-owned renewable and non-renewable energy generation systems interconnecting to the JEA electric grid. The
More informationService Manual Room Slideout System with Programmable Control
09/07 Power Gear #3010001345 Rev. 0A Installation and Service Manual Room Slideout System with Programmable Control CONTENTS Introduction 1 Installation 1 Installation Problems 2 Program Mode 2 3 Operation
More informationMANUAL. Road User Portal (RUP) - Order an On Board Unit. (Free of charge from Belgium and neighbouring countries)
MANUAL Road User Portal (RUP) - Order an On Board Unit (Free of charge from Belgium and neighbouring countries) Date version: 04 February 2016 Order an On Board Unit in the Satellic Road User Portal To
More informationDublin Airport Chauffeur Code of Conduct Dublin Airport Chauffeurs Code of Conduct. Dublin Airport Parking
We Dublin Airport Chauffeurs Code of Conduct Effective 1 st June 2017 1 1 Introduction Chauffeur Permits The purpose of the chauffeur operation at Dublin Airport is to provide chauffeur services for customers
More informationDMV Certified Dealer Education since gotplates. Copyright TriStar Motors LLC
Practice Examination for DMV Pre License Dealer Test 1. A dealer s license and special plates shall be automatically canceled if: A. The dealer abandons the established place of business B. The dealer
More informationGM Financial Auction Policies and Procedures. Vehicle type definitions
GM Financial Auction Policies and Procedures Vehicle type definitions Company Car A unit used by GM or its subsidiaries for business, test, or demonstration purposes. This includes Damaged-in-Transit,
More informationBACS APPROVED BUREAU SCHEME SUPPORT GUIDELINES
BACS APPROVED BUREAU SCHEME SUPPORT GUIDELINES VERSION 8.2 May 2017 CONTENTS 1 DOCUMENT INFORMATION 4 1.1 VERSION HISTORY 4 1.2 DOCUMENT REVIEWERS 4 1.3 COPYRIGHT STATEMENT 4 2 CONFIDENTIALITY 4 3 INTRODUCTION
More informationPRICE WITH COE 6 MTHS ROAD TAX STANDARD CHARGES #
% $ +, + $ / % ). - WITH EFFECT FM 05 JULY - 18 JULY 2018 1200 H) ICELIT ICE WITH CE 6 MTH AD TAX TANDAD CHAGE IN-HUE VE EBATE/ UCHAGE** CLAIC ICE NN-GUAANTEED CE) GLD ICE GUAANTEED CE CATEGY A CE EBATE
More informationNewsletter 34 Autumn/Winter 2017
Newsletter 34 Autumn/Winter 2017 Merry Christmas, Happy Holidays and a Happy New Year From all the BABUS committee to all our members and friends The newsletter of the Bedford Area Bus Users Society, or
More informationTabela binarnih kodova
Tabela binarnih kodova EBCDIC 0 00 NUL NUL NUL 0000 0000 1 01 SOH SOH SOH 0000 0001 2 02 STX STX STX 0000 0010 3 03 ETX ETX ETX 0000 0011 4 04 SEL EOT EOT 0000 0100 5 05 HT ENQ ENQ 0000 0101 6 06 RNL ACK
More informationCl SO M AerMet CrMnSiMoVA 300M. (mass%) ÅC 0.40 Si 1.66 Mn 0.64 P S Cr 0.71 Ni 1.90 Mo 0.37 V Fe Ï Cr9 Ë Cr Ni Mo
32 6 Û Å µ Ȳ Vol.32 No.6 212 Ñ 12 Journal of Chinese Society for Corrosion and Protection Dec. 212 3M Cr9 Ì ÓÕ ¹ Ä Đ 1 Þ 1 ÚØÛ 1 ß Ü 1 Ð 2 1. ² ˱ Ç 183 2. ¹ 195 Ð : ¼ÈÒ Ë Ë± ± Å 3M Æ ± ÖÉ Ï (Ú Cr9 )
More informationELECTRIC SERVICE RATE SCHEDULES. Effective November 1, 2017
ELECTRIC SERVICE RATE SCHEDULES Effective November 1, 2017 SCHEDULE 100 RESIDENTIAL SERVICE Residential Customers for all domestic uses. CHARACTER OF SERVICE: Alternating current, sixty-hertz 120/240 volts
More informationSpringfield Utility Board Net Metering Policy Adopted on February 13, 2008 (Resolution 08-1)
Springfield Utility Board Net Metering Policy Adopted on February 13, 2008 (Resolution 08-1) 4-2-2 NET METERING. The objective of this net metering policy is to establish Springfield Utility Board (SUB)
More informationThis Distribution Charter explains how PLS distributes collective licensing
Distribution Charter 1 This Distribution Charter explains how PLS distributes collective licensing revenues. 1. Introduction 1.1 Collective licensing for published materials was introduced in the UK in
More informationCODE OF ORDINANCES. Title 2 ADMINISTRATION AND PERSONNEL
2.56.810 Additional compensation for work on paid holidays. Any employee who works during a designated city holiday shall be paid eight (8) hours for general and police shift and 11.36 hours for fire shift
More informationJanuary 1, 2018 RATE SCHEDULE. 395 Southgate Drive, Guelph, ON N1G 4Y1. Billing: Admin: Fax:
January 1, 2018 RATE SCHEDULE 395 Southgate Drive, Guelph, ON N1G 4Y1 Billing: 519-822-3010 Admin: 519-822-3017 Fax: 519-822-0960 Time-of-Use rates for electricity came into effect for the majority of
More informationUser Agreement For Transfer To/From Other Financial Institution (A2A) Transfer Service
User Agreement For Transfer To/From Other Financial Institution (A2A) Transfer Service IMPORTANT: To enroll in the A2A transfer service you must consent to receive information about the service electronically.
More informationEXHIBIT A ORDINANCE NO. O CITY OF LAURINBURG, NORTH CAROLINA SCHEDULES OPR RESIDENTIAL TIME-OF-USE SERVICE
ORDINANCE NO. O-2017-14 CITY OF LAURINBURG, NORTH CAROLINA SCHEDULES OPR RESIDENTIAL TIME-OF-USE SERVICE AVAILABILITY This schedule is closed to new customers. Available to Residential Consumers being
More informationPPL GOLD Credit Union User Agreement for Account to Account (A2A) Transfer Service
PPL GOLD Credit Union User Agreement for Account to Account (A2A) Transfer Service IMPORTANT: TO ENROLL IN THE A2A TRANSFER SERVICE YOU MUST CONSENT TO RECEIVE NOTICES AND INFORMATION ABOUT THE SERVICE
More informationSERVICE CLASSIFICATION NO. 1
P.S.C. NO. 3 ELECTRICITY LEAF: 264 SERVICE CLASSIFICATION NO. 1 APPLICABLE TO USE OF SERVICE FOR: Sales and delivery of electric power supply provided by the Company or delivery of electric power supply
More informationELECTRIC SERVICE RATES UPDATED NOVEMBER 2016
ELECTRIC SERVICE RATES UPDATED NOVEMBER 2016 RESIDENTIAL SERVICES (RS) EFFECTIVE: OCTOBER 1, 2008 AVAILABILITY - Available exclusively to residential customers for residential use within the service area
More informationRenewable Net Metering Program Appendix ESD APX 001 1
CITY OF ST.GEORGE Energy Services Department (SGESD) Renewable Net Metering Program Appendix Document No. Effective Date 10/15/2005 Revision No. 1.0 Review Date 02/18/2016 Review Cycle Annually Creation
More informationCOMMUNITY SOLAR PROGRAM
Original Sheet No. D-22.00 COMMUNITY SOLAR PROGRAM The Cooperative's generation and transmission Cooperative ("G&T") has created a standing offer for 10 MW ofrenewable energy, produced by solar and wind
More informationAlen BreatheSmart P1000 HEPA AIR PURIFIER
/ TABLE OF CONTENTS Alen BreatheSmart P1000 HEPA AIR PURIFIER USER MANUAL... 4... 5... 6... 7... 10... 11... 11... 13... 14... 15... 16... 19... 20... 20 AIR PURIFIER SAFETY... 22 PRODUCT INTRODUCTION...
More informationCIRCULAR LETTER to ALL COMMERCIAL BANKS CONDUCTING CONVENTIONAL BUSINESS IN INDONESIA
Unofficial translation No.7/42/DPNP Jakarta, September 6, 2005 CIRCULAR LETTER to ALL COMMERCIAL BANKS CONDUCTING CONVENTIONAL BUSINESS IN INDONESIA Subject : Statutory Reserves Requirement at Bank Indonesia
More informationSERVICE CLASSIFICATION NO. 4
P.S.C. NO. 3 ELECTRICITY LEAF: 281 ORANGE AND ROCKLAND UTILITIES, INC. REVISION: 0 INITIAL EFFECTIVE DATE: April 1, 2012 SUPERSEDING REVISION: SERVICE CLASSIFICATION NO. 4 APPLICABLE TO USE OF SERVICE
More information2013 Contributing editors: James G Tillen and Laura Billings
Anti-Money Laundering in 19 jurisdictions worldwide 2013 Contributing editors: James G Tillen and Laura Billings Published by Getting the Deal Through in association with: Anagnostopoulos Criminal Law
More informationYour electricity bill
Your electricity bill Bill date: February 28, 2017 Summary of what you owe Amount due on your last bill $175.51 Payment made on Feb 20, thank you -$175.51 Your balance forward $0.00 Your new charges (details
More informationBANK OF AMERICA FLEET CARDHOLDER AND ADMINISTRATION POLICIES AND PROCEDURES FOR PACE UNIVERSITY-OWNED AND -ASSIGNED VEHICLES
BANK OF AMERICA FLEET CARDHOLDER AND ADMINISTRATION POLICIES AND PROCEDURES FOR PACE UNIVERSITY-OWNED AND -ASSIGNED VEHICLES Table of contents.1 Introduction...2.2 Use of the Fleet Card...3.3 User Record-Keeping
More informationShedding Light on S lar Overview of Solar Finance
OBAR Climate Action Committee PG&E Pacific Energy Center Thank you! Shedding Light on S lar Overview of Solar Finance 3/10/2017 Doug McKenzie dmckenzie@norcalsolar.org Solar Finance Two types of Residential
More informationWORKSAFE VICTORIA APPLICATION FOR A VEHICLE LICENCE TO TRANSPORT DANGEROUS GOODS - FTL
DAGEROUS GOODS ACT 1985 DAGEROUS GOODS (TRASPORT B ROAD OR RAIL) REGULATIOS 2018 Jan 2018 WORKSAFE VICTORIA APPLICATIO FOR A VEHICLE LICECE TO TRASPORT DAGEROUS GOODS - FTL Office use only checklist (please
More informationEliminates wait for reimbursement. Reduces the amount of paper claims submitted with the following card swipes: Matched Co-Payments
BENEFITS of the FLEX DEBIT CARD u Eliminates wait for reimbursement. u Reduces the amount of paper claims submitted with the following card swipes: Matched Co-Payments When a swipe is made at a provider
More informationSENATE, No STATE OF NEW JERSEY. 217th LEGISLATURE INTRODUCED SEPTEMBER 12, 2016
SENATE, No. 0 STATE OF NEW JERSEY th LEGISLATURE INTRODUCED SEPTEMBER, 0 Sponsored by: Senator RAYMOND J. LESNIAK District 0 (Union) SYNOPSIS Establishes DEP program to reduce heavy-duty diesel truck emissions
More informationNORTHWEST NATURAL GAS COMPANY P.U.C. Or. 25 Second Revision of Sheet 3-1 Cancels First Revision of Sheet 3-1
P.U.C. Or. 25 Second Revision of Sheet 3-1 Cancels First Revision of Sheet 3-1 SERVICE AVAILABLITY: Service under this Rate Schedule is available on the Company s Distribution System to Non-Residential
More informationˆ.. ³ Ì μ,.. Ò±,.. ŒÊ Ë μ, ˆ.. Ê Ò,.. Ê Ò,.. ±, ˆ. Ì μ,.. μ
P11-2009-139 ˆ.. ³ Ì μ,.. Ò±,.. ŒÊ Ë μ, ˆ.. Ê Ò,.. Ê Ò,.. ±, ˆ. Ì μ,.. μ Œ ˆ ˆ ˆ Ÿ Œ œ ƒ ˆŠ Œ ˆ ˆ ˆˆ Ÿ Œˆ ˆ Œˆ Šˆ ƒˆ Š ˆ ˆ ˆŠ, ˆ Ÿ Š ˆ ˆ ² μ μ ±μ³ É É ±μ Ë Í - ˆŠ-2009, Œμ ±, 16Ä21 μö Ö 2009. ³ Ì μ ˆ...
More informationIC Chapter 5. Motor Vehicle Emission Control
IC 13-17-5 Chapter 5. Motor Vehicle Emission Control IC 13-17-5-1 Rules Sec. 1. The board may adopt rules for the control of emissions from vehicles. However, the board must, before adopting the rules,
More informationRed Light Camera Frequently Asked Questions
Red Light Camera Frequently Asked Questions Why has Glendale Heights decided to implement an Automated Red Light Photo Enforcement Program? According to the Insurance Institute for Highway Safety, a recent
More informationThe principal activities of UMWD are mainly investment holding and property development.
1. INTRODUCTION UMW Holdings Berhad ( UMW Holdings or the Company ) wishes to announce that its wholly-owned subsidiary, UMW Corporation Sdn Bhd ( UMWC ), has today entered into a Settlement Agreement
More information79th OREGON LEGISLATIVE ASSEMBLY Regular Session. House Bill 2290
th OREGON LEGISLATIVE ASSEMBLY--0 Regular Session House Bill 0 Introduced and printed pursuant to House Rule.00. Presession filed (at the request of Governor Kate Brown for Department of Transportation)
More informationSERIAL NUMBER
SERIAL NUMBER AMERICAN PILEDRIVING EQUIPMENT 800-248-8498 www.apevibro.com Quick Reference Guide This Quick Reference Guide will assist you in finding the information you re looking for. GENERAL INFORMATION
More informationPart C. Statistics Bank of Botswana
Part C Statistics 2017 Bank of Botswana Contents Part C Part C: Statistics 1. NATIONAL OUTPUT TABLE 1.1 Gross Domestic Product by Type of Expenditure (Current Prices) S6 TABLE 1.2 Gross Domestic Product
More informationMoney and banking. Flow of funds for the third quarter
Statistical tables Money and banking Page S South African Reserve Bank: Liabilities... 2 South African Reserve Bank: Assets... 3 Corporation for Public Deposits: Liabilities... 4 Corporation for Public
More informationKANSAS CITY POWER AND LIGHT COMPANY P.S.C. MO. No. 7 Fourth Revised Sheet No. 39 Canceling P.S.C. MO. No. 7 Third Revised Sheet No.
P.S.C. MO. No. 7 Fourth Revised Sheet No. 39 Canceling P.S.C. MO. No. 7 Third Revised Sheet No. 39 PURPOSE: The purpose of the Solar Subscription Pilot Rider (Program) is to provide a limited number of
More informationRetail Branch Bahrain SCHEDULE OF FEES AND SERVICE CHARGES w.e.f (inclusive of VAT)
SCHEDULE OF FEES AND SERVICE CHARGES w.e.f. 01.01.2019 (inclusive of VAT) DEPOSIT ACCOUNTS Savings Bank Account Minimum Monthly Average Balance Monthly Charges for Non-Maintenance of above* Savings Bank
More informationReport Run Date: 05/22/2015 09:09:50 AM (PDT) Current Day Detail Report: TODAY 325 - ALAMEDA COUNTY AND ALAMEDA CNTY TREASURER Ledger Date: 05/22/2015 Account: ******0325 - DDA - 'ALAMEDA COUNTY TREASURER
More informationNew VED and levy VED band Current VED ( ) From To VED ( ) Levy ( ) Total ( ) Articulated 2+1
From 1 April 2014 the HGV Road User Levy is being introduced for all heavy goods vehicles (hgvs) of t Maximum Authorised Mass (MAM) and over using roads within the UK network. The charge is time based
More informationStatistical tables S 0. Money and banking. Capital market. National financial account. Public finance
Statistical tables Money and banking Page S South African Reserve Bank: Liabilities... 2 South African Reserve Bank: Assets... 3 Corporation for Public Deposits: Liabilities... 4 Corporation for Public
More informationStatistical tables S 0. Money and banking. Capital market. National financial account. Public finance
Statistical tables Money and banking Page S South African Reserve Bank: Liabilities... 2 South African Reserve Bank: Assets... 3 Corporation for Public Deposits: Liabilities... 4 Corporation for Public
More informationTelhio Credit Union Account to Account (A2A) Transfer Service User Agreement
Telhio Credit Union Account to Account (A2A) Transfer Service User Agreement IMPORTANT: TO ENROLL IN THE A2A TRANSFER SERVICE YOU MUST CONSENT TO RECEIVE NOTICES AND INFORMATION ABOUT THE SERVICE ELECTRONICALLY.
More informationGetting a FLEX DEBIT CARD
Getting a FLEX DEBIT CARD u A Flex Debit Card can be ordered in the following ways: electing this option when filling out an enrollment form; order through access of your on-line account at any point during
More informationLIST OF CONDITIONS. Terms applicable to the basic services
Terms applicable to the basic services HUF ACCOUNT Monthly account management fee HUF 990 Minimum deposit for account opening none Account opening fee HUF 0 Account closing fee HUF 0 Forint-based debit
More informationPB Domicile PLC - Investor Report Investor Notification
PLC - Investor Report Investor Notification The Bank, Servicer and Determination Agent The Issuer The Principal Paying Agent Period: Interest Period on Notes: Fixed EURIBOR: 11/26/2012 to 02/25/2013 0.190%
More informationPB Domicile PLC - Investor Report Investor Notification
PLC - Investor Report Investor Notification The Bank, Servicer and Determination Agent The Issuer The Principal Paying Agent Period: Interest Period on Notes: Fixed EURIBOR: 08/26/2013 to 11/25/2013 0.224%
More informationPB Domicile PLC - Investor Report Investor Notification
PLC - Investor Report Investor Notification The Bank, Servicer and Determination Agent The Issuer The Principal Paying Agent Period: Interest Period on Notes: Fixed EURIBOR: 05/26/2015 to 08/25/2015-0.012%
More informationGreen Drive Nov 2020
Green Drive Nov 2020 Tariff terms and conditions About your tariff Green Drive Nov 2020 prices are fixed until 30 November 2020. You ll pay a daily standing charge and unit rate for each fuel. We ll also
More informationDerivative Valuation and GASB 53 Compliance Report For the Period Ending September 30, 2015
Derivative Valuation and GASB 53 Compliance Report For the Period Ending September 30, 2015 Prepared On Behalf Of Broward County, Florida October 9, 2015 BLX Group LLC 777 S. Figueroa Street, Suite 3200
More informationEXHIBIT A-2 Amending Chapter TMC (all additions and amendments effective April 1, 2018) Chapter ELECTRIC ENERGY REGULATIONS AND RATES 1
EXHIBIT A-2 Amending Chapter 12.06 TMC (all additions and amendments effective April 1, 2018) Chapter 12.06 ELECTRIC ENERGY REGULATIONS AND RATES 1 Amended and Added Sections: 12.06.140 Tampering and injury
More informationinfo.scichina.com ³ØÀà (GIS, geography information system) . Google Earth Virtual Earth Î Michael F. Goodchild ØÏ Web 2.
Þ F : ÙÁ 2009 Ý «39 «6 : 579 587 www.scichina.com info.scichina.com ÇÏ Ë È ², ³ ÒÅ ËÚÂÉß ÆÊ, 430079 * Ú Ð E-mail: drli@whu.edu.cn ͽÅ: 2009-01-22; нÅ: 2009-04-10 Å Google Earth MSN Virtual Earth º ÎÒ
More informationHOUSE AMENDED PRIOR PRINTER'S NOS. 13, 30, 47, PRINTER'S NO , 56 THE GENERAL ASSEMBLY OF PENNSYLVANIA SENATE BILL
HOUSE AMENDED PRIOR PRINTER'S NOS. 13, 30, 47, PRINTER'S NO. 57 55, 56 THE GENERAL ASSEMBLY OF PENNSYLVANIA SENATE BILL No. 22 Special Session No. 1 of 2007-2008 INTRODUCED BY TOMLINSON, M. WHITE, PILEGGI,
More informationJACKSON ELECTRIC COOPERATIVE POLICY NO. 305
JACKSON ELECTRIC COOPERATIVE POLICY NO. 305 I. SUBJECT: Interconnected Distributed Generation (DG) II. OBJECTIVE: To provide guidelines and procedures for members/applicants and JEC personnel in DG systems.
More informationUnder current production rates, when ordering a B737 or A320 today, customers can expect their aircraft to be ready by 2028
Ì69! Ë6986, ÂNN#)ÁÈ Á))$+N)'#+é ;59585996 69 68698658658 868699 69898 à +59 +&#ÂNN#)ÁÈÁ))$+N)'#+ +8 *OËËÈQ&Á-N-O$+O)#)*é ;&Q+&#*+'#*)#&Á%& +6869 +&#$O+O)#Á*O+ÂN+ÁÂ- %889 858 N'#QÂO)NÂ,# *68 &Â;-;#&#ÈËì
More informationDebt Retirement Charge - General Information
Guide 101 January 2012 Debt Retirement Charge - General Information This guide provides an overview of the Debt Retirement Charge (DRC) program and explains: what is DRC who pays DRC DRC rates registration
More informationYour electricity bill
Your electricity bill Bill date: February 22, 2017 Summary of what you owe Amount due on your last bill $1,271.36 Payment made on Jan 30, thank you -$1,271.36 Your balance forward $0.00 Your new charges
More informationPROMAS Landmaster. Table of Contents. Training Exercises - Day 2
PROMAS Landmaster Table of Contents Training Exercises - Day 2 Owner Distribution Checks...3 Late Fees...9 Categories...15 Rent Credits / Rent Changes...21 System Security...25 Prorated Rent...31 Reconcile
More informationReview of the SMAQMD s Construction Mitigation Program Enhanced Exhaust Control Practices February 28, 2018, DRAFT for Outreach
ABSTRACT The California Environmental Quality Act (CEQA) review process requires projects to mitigate their significant impacts. The Sacramento Metropolitan Air Quality Management District (SMAQMD or District)
More informationSAN JOAQUIN VALLEY AIR POLLUTION CONTROL DISTRICT
SAN JOAQUIN VALLEY AIR POLLUTION CONTROL DISTRICT DATE: 3/1/10, updated 5/5/10 TO: Interested Parties SUBJECT: Frequently asked questions regarding compliance with Rule 4320, Advanced Emission Reduction
More informationAs Introduced. 132nd General Assembly Regular Session S. B. No
132nd General Assembly Regular Session S. B. No. 194 2017-2018 Senator Terhar Cosponsor: Senator Wilson A B I L L To amend sections 4505.101, 4513.601, and 4513.611 of the Revised Code to require only
More information