MONEY MARKET SAVINGS ACCOUNT

Tiered Interest-bearing account Minimum deposit of $2,500.00 to open the account At our discretion, we may change the interest rate on your account Interest will be compounded and credited to your account every month If you close your account before interest is credited, you will not receive the accrued interest  Minimum daily balance of $2,500.00 to avoid a service charge $15.00 monthly service charge Minimum account balance of $2,500.00 each day to obtain the disclosed annual percentage yield 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 Limited to no more than six withdrawals or transfers to another account or to a third party per month. The account may be closed for repeated violations of excessive activity. $10 excessive withdrawal fee for each transfer in excess of six during a monthly statement cycle No interest will be paid during statement cycle if minimum balances are not maintained

SUPER NOW ACCOUNT

• Tiered interest-bearing account

• Minimum deposit of $200.00 to open the account

• Minimum daily balance of $200.00 or an average daily balance of $400.00 to avoid a service charge and per check charge

• $10.00 monthly service charge

• $0.25 for each check paid

• Unlimited check writing

• Interest will be compounded and credited to your account every month

• The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period

• 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

• Minimum deposit of $100.00 to open the account

• Minimum daily balance of $100.00 or an average daily balance of $200.00 to avoid a service charge and per check charge

• $10.00 monthly service charge

• $0.25 for each check paid

• Unlimited check writing

• The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period

PERSONAL REGULAR SAVINGS ACCOUNT

• Minimum deposit of $100.00 to open the account

• $5.00 monthly service charge if the account falls below $100.00 any day of the cycle

• Interest will be compounded and credited to your account every quarter

• At our discretion, we may change the interest rate on your account

• 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

• Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month. The account may be closed for repeated violations of excessive activity.

CERTIFICATE OF DEPOSIT

• Minimum deposit of $2,500.00 to open this account

• We offer a rewarding choice of short-, medium-, long-term investment options with terms ranging from 7 days to 5 years

• You will be paid the disclosed rate until first maturity

• You may not make any deposits into your account before maturity

• Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty

• You can only withdraw interest before maturity if you make arrangements with us for periodic payments of interest in lieu of crediting

(Available to persons 55 years of age or older)

• $100.00 to open the account

• Unlimited check writing

• Non-interest bearing account