TYPE OF PLAN	MONEY MARKET ACCOUNT	GOLD MONEY MARKET ACCOUNT	ZIONS INTERNET MONEY MARKET ACCOUNT
Recommended if you want...	An account with competitive interest rates and unlimited funds access at branches and ATMs.	An account with a higher interest rate than the regular Money Market Account and unlimited funds access at branches and ATMs.	Convenience of Internet Banking and a higher interest rate.
Minimum Opening Deposit and Term	$1,000	$1,000 • Requires a Gold Account or Gold Interest Checking Account.	$100
Monthly Service Fee	None	None	None
Interest Rate	• Variable rate • Compounded daily ** • Paid monthly	• Variable rate • Compounded daily ** • Paid monthly	• Variable rate • Compounded daily ** • Paid monthly
Withdrawals	• No more than six transfers can be made during each thirty (30)-day statement cycle by pre-authorized transfer, automatic transfer, or telephone transfer. Of these six (6) transfers, no more than three (3) may be by check, draft, or check card • You may make an unlimited number of withdrawals from your account in person, by ATM, or by mail or messenger	• No more than six transfers can be made during each thirty (30)-day statement cycle by pre-authorized transfer, automatic transfer, or telephone transfer. Of these six (6) transfers, no more than three (3) may be by check, draft, or check card • You may make an unlimited number of withdrawals from your account in person, by ATM, or by mail or messenger	• No more than six transfers can be made during each thirty (30)-day statement cycle by pre-authorized transfer, automatic transfer, or telephone transfer. Of these six (6) transfers, no more than three (3) may be by check, draft, or check card • You may make an unlimited number of withdrawals from your account in person, by ATM, or by mail or messenger • Telephone Transfers in excess of 3 per month will be assessed a $3.00 fee • $3 fee for withdrawals at teller window

**Interest is calculated on the collected balance, which is book balance minus float.