We strive to exceed customer expectations by providing innovative products and services while also delivering great customer service.  The following are brief descriptions of many of our services and the specific terms of each may change without notice.

Checking

Savings

Certificates

This is a demand deposit account utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is a non-interest bearing account.

Requirements:  $100.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $500.00 on any day within the cycle.  This fee will be waived if you have a combined daily balance of $1,000.00 in any deposit account.

This is a demand deposit account utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is a non-interest bearing account.

Requirements:  $100.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 on any day within the cycle.

This is a demand deposit account utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is a non-interest bearing account.

Requirements:  Customer must be currently enrolled as a student.   $100.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

This is a demand deposit account utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is an interest bearing account.

Requirements:  $1,000.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  A service charge fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 on any day within the cycle.

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 statement cycle.  Interest will be credited to your account every statement cycle.

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 on the business day you deposit noncash items (for example, checks).

This is a demand deposit account utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is an interest bearing account.

Requirements:  $1,000.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  A service charge fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 on any day within the cycle.

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 statement cycle.  Interest will be credited to your account every statement cycle.

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 on the business day you deposit noncash items (for example, checks).

This is a demand deposit account utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is a non-interest bearing account.

Requirements:  Customer must be age 55 or older.  $100.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

This is a demand deposit account with special checking privileges utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is a non-interest bearing account.

Requirements:  $100.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  A service charge fee of $5.00 will be imposed every statement cycle for the insurance plan provided.

Special Privileges:

	Accidental Death Insurance	Basic Plan
	24-Hour Insurance	$5,000
	Common Carrier	$50,000
	Private Passenger Auto	$10,000
	No minimum balance and unlimited check writing
	Free personal standard checks with other styles at a reduced rate
	Cashiers and Travelers Checks issued without charge
	Safe Deposit Box at one-half price
	Other benefits include travel benefits, security benefits, and shopping benefits

This is a demand deposit account with special checking privileges utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is an interest bearing account.

Requirements:  $1,000.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  A service charge fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 on any day within the cycle.  Also, a service charge fee of $5.00 will be imposed every statement cycle for the insurance plan provided.

Special Privileges:

	Accidental Death Insurance	Basic Plan
	24-Hour Insurance	$5,000
	Common Carrier	$50,000
	Private Passenger Auto	$10,000
	No minimum balance and unlimited check writing
	Free personal standard checks with other styles at a reduced rate
	Cashiers and Travelers Checks issued without charge
	Safe Deposit Box at one-half price
	Other benefits include travel benefits, security benefits, and shopping benefits

This is a demand deposit account utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is a non-interest bearing account.

Requirements:  Customer must be a non-profit organization.   $100.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

This is a demand deposit account utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is an interest bearing account.

Requirements:  $2,500.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  A service charge fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 on any day within the cycle.

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 statement cycle.  Interest will be credited to your account every statement cycle.

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 on the business day you deposit noncash items (for example, checks).

Transaction Limitations:  Transfers from a Money Market Deposit account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.

This is a demand deposit account utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is an interest bearing account.

Requirements:  $2,500.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  A service charge fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 on any day within the cycle.

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 statement cycle.  Interest will be credited to your account every statement cycle.

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 on the business day you deposit noncash items (for example, checks).

Transaction Limitations:  Transfers from a Money Market Deposit account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.

This is a demand deposit account utilizing preprinted checks and deposit tickets and receiving a monthly statement.  This is a non-interest bearing account.

Requirements:  $1,000.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 on any day within the cycle.

This is a savings account utilizing preprinted deposit and withdrawal tickets and receiving a quarterly statement.  This is an interest bearing account.

Requirements:  $100.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  On a Personal Statement Savings Account, a service charge fee of $4.00 will be imposed every statement cycle if the balance in the account falls below $300.00 on any day within the cycle.  On a Non-Personal Statement Savings Account, none.

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 and credited to your account every month.

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 on the business day you deposit noncash items (for example, checks).

Transaction Limitations:  None.

This is a special savings account utilizing preprinted deposit tickets that is structured with a time frame to accommodate the holiday shopping season.  This is an interest bearing account.

This account uses a specially designed coupon book that is used similar to a loan coupon book.  The coupons do not specify an amount and may vary from $1.00 up in even dollar increments.  Coupon books contain 50 weekly payment coupons and may only be used for one year.  At the end of the first week in November, interest is credited to the account and a check is printed for the balance of the account.  At that time the account is closed, unless automatic transfer is requested from another account.

Requirements:  Any customer without an established portfolio is required to fill out an application.

Service Charges:  None.

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 not be compounded.  Interest will be credited to your account at maturity.

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

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 on the business day you deposit noncash items (for example, checks).

Transaction Limitations:  You may make unlimited deposits into your account.  If any withdrawal is made from this account before maturity then this account may be closed.  You cannot withdraw interest from your account before maturity.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity):  The penalty we will impose is the greater of:

• 7 days interest, on the amount withdrawn subject to penalty, if the withdrawal is made within the first six days after the deposit.
• all interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.

For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the beginning of the term.

Non-automatically renewable time account:  This account will not automatically renew at maturity.  If you do not renew the account, interest will not accrue after maturity.

Requirements:  $1,000.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  None.

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

Frequency of Rate Changes:  We may change the interest rate on your account each time it matures.

Compounding and Crediting Frequency:  Interest will be compounded quarterly to your account.

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.

Transaction Limitations:  You may not make additional deposits into your account.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity):  The penalty we will impose is:

• three month's interest on the amount of the withdrawal.

Automatically renewable time account:  This account will automatically renew at maturity.

Whatever your retirement need is, we have the retirement account that is right for you.  We offer Individual, Spousal, SEPs, QRPs, Beneficiary, Roth, Education and SIMPLE plans.  Simply see any of our IRA representatives.  They will explain the nature of these accounts in more detail and help you complete the simple forms necessary to establish your IRA.

Requirements:  Any customer under age 70 1/2 for the entire tax year and have compensation, is eligible to establish an IRA, even if they already participate in any type of government plan, tax-sheltered annuity, simplified employee pension (SEP) plan, Savings Incentive Match Plan for Employees of Small Employers (SIMPLE), or qualified plan (pension or profit sharing) established by an employer.  $500.00 to open the account.  Any customer without an established portfolio is required to fill out an application.

Service Charges:  None.

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

Frequency of Rate Changes:  We may change the interest rate on your account each time it matures.

Compounding and Crediting Frequency:  Interest will be compounded quarterly to your account.

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.

Transaction Limitations:  You may not make additional deposits into your account.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity):  The penalty we will impose is:

• three month's interest on the amount of the withdrawal.

The customer will also be assessed a 10% tax penalty by the Internal Revenue Service.   The penalty may be waived if the customer has reached age 59 1/2.

Automatically renewable time account:  This account will automatically renew at maturity.

These ATMs give you 24-hour access to your checking and savings accounts.  You may use the ATMs to conveniently make withdrawals or transfers between different accounts.   There is no charge to current customers for using the ATM, but a $2.50 charge is applied to all non-customer transactions.

When was the last time you wondered what your checking account balance was? Forgot to record that big check you wrote? Need to transfer funds? Need a fax of your current statement?

Phone from your home, the office, your car, or even while away on vacation, anytime—24 hours a day!

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