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Variable interest rate |

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Compounded daily interest is credited every seven days |

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Ability to designate up to two beneficiaries |

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Minimum opening balance requirement of $25,000 |

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Additional deposits in the amount of $5,000 or more may be made at any time after the first seven (7) days from the date of account opening |

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Withdrawals in the amount of $5,000 or more may be made at any time after the first seven (7) days from the date of account opening (Limits apply, see Client Manual and International Personal Banking Addendum for details) |

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Deposits are FDIC insured (Rules and regulations apply) |