Savings

STATEMENT SAVINGS

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded daily and will be credited to the account quarterly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account. No more than six transfers can be made to another account or to 3rd parties by pre-authorized, automatic or telephone tranfers per month. No withdrawals by checks, drafts or similar orders to 3rd parties are allowed.

Account Fees: If your balance falls below $100.00 on any day of the quarterly statement cycle, a service charge of $5.00 will be imposed. A service charge fee of $.50 per withdrawal will be imposed in excess of nine withdrawals per statement cycle. Other fees may be charged on your quarterly statement, see the fee schedule for additional disclosures.

JUNIOR SAVERS

This account is available to persons under 18 years of age. Parents or Grandparents are required to be custodian. Requires all wihtdrawals to be made in person by Authorized Custodian.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you make a deposit. Interest will be compounded daily and will be credited to the account semi-annually. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $25.00 to open this account. No withdrawals by checks, drafts, or similar orders to 3rd parties are allowed. Other fees may be charged on your semi-annual statement, see fee schedule for additional disclosures.

Account Fees: A service charge fee of $.50 per withdrawal will be imposed in excess of six withdrawals per statement cycle. Other fees may be charged on your semi-annual statement, see the fee schedule for additional disclosures.