PERSONAL SAVINGS


COMBINED SAVINGS

Add this account to your checking statement for an easy way to save.

*  Minimum opening balance of $50.00
*  No monthly service fee when you combine with your checking account statement
*  $1 per withdrawal over 9 withdrawals per calendar quarter
^ In the event you close your checking account, your combined savings account will be converted to a Statement Savings account and subject to a $6 monthly service fee.


STATEMENT SAVINGS

*  Minimum opening balance of $50.00
*  $6 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.


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
$6 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.Withdrawal Limits:Please be aware that Federal regulations place limits on certain Savings and Money Market account transactions. You may make six (6) transfers from your account each monthly statement cycle, if by pre-authorized 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. Regulations place no limits on transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.


Account Type Minimum Deposit
To Open Account
Average Balance
to Obtain Annual
Percentage Yield
Compound
Frequency
Interest
Rate
Annual Percentage
Yield  (APY)
COMBINED SAVINGS $50.00 $50.00 Quarterly 0.25% 0.25%
STATEMENT SAVINGS $50.00 $50.00 Quarterly 0.25% 0.25%
MONEY MARKET SAVINGS
Tiered Interest Rates

$2,500.00
$10,000.00
$25,000.00
$100,000.00
$250,000.00

$9,999.99
$24,999.99
$99,999.99
$249,999.99
Above
Monthly
Monthly
Monthly
Monthly
Monthly
0.27%
0.33%
0.38%
0.42%
0.45%
0.27%
0.33%
0.38%
0.42%
0.45%