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APY is effective as of 12/10/09 and is subject to change. APY dependent on daily account balance: 0.25% APY for $10,000 and under, .75% APY on balances between $10,000 and $99,999.99, 1.05% APY on balances from $100,000 to $999,999.99 and 1.25% APY on balances of $1 million and over. Transaction activity limited to six withdrawals per month. Fees may reduce earnings on account.