NOW ACCOUNT

Rate Information – Your interest rate and annual percentage yield may change.

Frequency of rate changes – We may change the interest rate on your account at any time.

Determination of rate – At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account – You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees – A service charge fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of Interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Fees:

A per item fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account (in excess of 30 during a statement cycle. This fee will apply if your minimum daily balance falls below $1,000.00 any day of the statement cycle.

INSURED MONEY MARKET ACCOUNT

Rate information – Your interest rate and annual percentage yield may change.

frequency of rate changesFrequency of rate changes – We may change the interest rate on your account at any time.

Determination of rate – At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing as account – If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the accounnt – You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees – A service charge fee of $2.00 will be imposed every statement cycle if the balance in the  account falls below $1,000.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations:

Transfers from a insured Money Market account to another account or to third parties by preauthorized, automatic, telephone, computer transfer, by check or similar order to third parties are limited to six per monthly cycle.

Fees:

An excess transaction fee of $10.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of the above limitations.

SAVINGS ACCOUNT

Rate Information – Your interest rate and annual percentage yield may change.

Frequency of rate change – We may change the interest rate on your account at any time.

Determination of rate – At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency – Interest will be compounded every quarter. Interest will be credited to your account every quarter.

Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account – You must deposit $100.00 to open this account.

Minimum balance to avoid impositions of fees – A service charge fee of $3.00 will be imposed quarterly if the balance in the account falls below $100.00 any day of the cycle.

This fee will not apply to minors under age 18 or senior citizens 55 years of age or over, if we have been so notified.

Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations:

Transfers from a Savings Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per calendar month with no transfers by check, draft, debit card, or similar order to third parties.

Fees:

An excess withdrawal fee of $1.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of six during a month. This fee will not apply to minors under age 18 or senior citizens 55 years of age or over, if we have been so notified.

 COMMON FEATURES

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

• Check Printing (fee depends on style of check ordered)
• Official checks $10.00
• An account is dormant if for 12 months you have made no deposits or withdrawals to the account. Dormant accounts will be assessed a $8.00 service charge based on account type.
• Account Research $15.00 per hour with a $10.00 minimum
• Account balancing assistance $10.00 per hour with a $10.00 minimum
• Stop payments (all items) $20.00
• Domestic wire transfers $20.00
• Foreign wire transfers $45.00

The Categories of transactions for which an overdraft fee may be imposed are those by any of the following means: checks, in-person withdrawal, ATM withdrawal, or other means.

OverDraft-each overdraft paid.......... $38.50

NSF Return Item Fee-each............... $38.50

We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.