Transfers and Interest. Interest rates paid on deposits in Depository Accounts are determined by the Insured Depositories in their discretion based on prevailing economic and business conditions and such rates may change at any time without notice. The interest rate paid by any Insured Depository may fluctuate daily based on market conditions. The net interest earned on your deposits will be set forth in your account statement. If your funds are received by the FFB Custodian by 3:00 p.m. (Eastern Time), your FFB Account will receive same day credit. In your monthly account statements, StoneCastle may estimate the aggregate amount of accrued but unpaid interest less any FICA Fee with respect to such interest, which amount cannot be withdrawn from your FFB Account until it is credited to the FFB Account. Any estimate of net accrued interest on your monthly account statement is for informational purposes only. Each Insured Depository may profit from the difference between the interest it pays on the Depository Accounts and the income it earns on loans, investments, and other business operations. Each Insured Depository may pay the FFB Custodian and/or StoneCastle fees for its services related to your Deposits equal to a percentage of the average daily deposit balance in the Depository Accounts at the Insured Depository. StoneCastle may share such fees with the FFB Custodian. The amount of any fees an Insured Depository pays could directly affect the interest rate paid by the Insured Depository on your Deposit. The fees paid to the FFB Custodian and/or StoneCastle by each Insured Depository may vary. The FICA Fee will be deducted from your FFB Account on the day interest from a Depository Account is credited to your FFB Account. See Section 9 “Account Fees and Charges.” The rate you earn on your Deposits at any Insured Depository through the FFB Program may be higher or lower than the rates available to depositors making non-FFB Program deposits with an Insured Depository, rates available through other types of accounts at U.S. Bank, or rates offered by other depository institutions in comparable accounts. Any fees imposed under the FFB Program could reduce earnings on your Deposits. You should compare the terms, interest rates, charges and other features of the FFB Program with other accounts and investment alternatives. There is no minimum period that your money must remain in the FFB Program. Interest will be accrued daily and posted monthly to the Depository Account. Interest wil...
