ELIGIBILITY REQUIREMENTS. This account is available to attorney's registered with the Florida Bar Association.

RATE INFORMATION. Please refer to our rate sheet for the interest rate and APY on this account.

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 be compounded daily and will be credited to another account monthly. Interest less applicable fees and service charges will be sent to the Florida Bar Foundation.

MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account.

PROCESSING ORDER. All credit transactions are processed first. Checks will be processed in serial number order and then debits or withdrawals will be deducted from the account. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

The 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 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).

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.

FEES AND CHARGES. Please refer to the separate Grove Bank & Trust Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Grove Bank & Trust Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.