PERSONAL SAVINGS


STATEMENT SAVINGS

*  Minimum opening balance of $50.00
*  $10 monthly service fee
> Waived if quarterly average daily balance is above $100.
*  $1 per withdrawal over 9 withdrawals per calendar quarter
> Service charge waived for kids < 18 years old.

Average Balance to Earn Interest:  Calculated on the average daily balance.  Interest is compounded and credited quarterly.


MONEY MARKET SAVINGS

Earn a competitive interest rate without the worry of high-risk market investments.  Balances in these deposit accounts are eligible for FDIC Insurance.

*  Minimum opening balance of $100.00
*  Tiered interest rates
$8 monthly service fee
*  Monthly service fee waived with one of the following:
>  an average daily balance of $2,500 or more
> eStatements.

Average Balance to Earn Interest:  Calculated on the average daily balance.  Interest is compounded and credited monthly.

Savings and Money Market Account Transaction Limits:  You may make six (6) transfers from your account each monthly statement cycle, if by preauthorized or automatic transfer, or telephone (including data transmissions) agreement, order or instruction or by check draft, debit card, or similar order (including Money Market POS transactions), made by the depositor and payable to third parties. There are no transaction limits on transfers and withdrawals made in person, by messenger, by mail or at an ATM.


Account Type Average Balance
to Obtain Annual
Percentage Yield
Interest
Rate
Annual Percentage
Yield  (APY)
COMBINED SAVINGS $50.00 0.05% 0.05%
STATEMENT SAVINGS $50.00 0.05% 0.05%
MONEY MARKET SAVINGS
Tiered Interest Rates

$2500-$9,999
$10,000-$24,999
$25,000-$99,999
$100,000-$249,999
Above $250,000

0.05%
0.10%
0.15%
0.20%
0.20%
0.05%
0.10%
0.15%
0.20%
0.20%