Savings Account Agreement

All savings and interest rate current accounts (whether sight deposit accounts or NOW) are variable rate accounts. The interest rate and annual return percentages we pay on these accounts may change. At our discretion, we may change the interest rate on these accounts at any time without notice. With the aforementioned agreements, you authorize us to contact you about this account throughout its existence using the telephone numbers or e-mail addresses that you have previously provided to us or that you make available to us later. If we accept a deposit cheque that is drawn at another bank, we may immediately make the deposit funds available for payment, but delay your availability to withdraw a corresponding amount of funds you have deposited into another account.

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