Access My Accounts

	Minimum Opening Deposit:  $25,000
	Minimum Balance:  $25,000
	Fees:  $20 if the average daily balance falls below $25,000
	Limited Transactions:  Transactions to third parties are limited to six per month, three of which may be by check or debit card point of sale.  Transfers by telephone or internet banking are limited transactions included in the six per month.
	Unlimited Transactions:  Deposits, withdrawals or transfers made in person at the teller window or at an ATM.  Also, includes transfers to pay your loans at Colorado National Bank.
	Interest:  Earns a tiered rate of interest based on the average daily balance.
	$500,000 or higher ... Fed Funds Rate
	$250,000 to $499,999 ... Fed Funds Rate less 0.375%
	$100,000 to $249,999 ... Fed Funds Rate less 0.750%
	Under $100,000 ... Fed Funds Rate less 1.50%

The interest rate on Fed Funds Indexed Money Market Demand Account is indexed to the Intended Federal Funds Rate (FFR) as published by the Federal Reserve Board (www.federalreserve.gov/fomc/fundsrate.htm).  This is a variable rate account.  The rate will change on the day the Federal Reserve Board publishes the new Intended Federal Funds Rate.  The Annual Percentage Yield (APY) assume a minimum balance for the tier remains on deposit for one year.  Minimum opening deposit is $100,000.  Fees can reduce the yield.  Visit a Personal Banker to obtain additional account disclosures.

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