Deposit Accounts

Savings

FEE INFORMATION

There are no maintenance fees on a Savings account with the exception of the following: A quarterly maintenance fee of $1.00 will be imposed on all savings accounts with an average daily balance of $15.00 or less during the cycle period. Also, there will be a limit of 12 withdrawals per cycle period. Beginning with the 13th withdrawal there will be a $1.00 per transaction fee.

INTEREST FEATURES

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate for your account at any time.

Interest will be compounded quarterly and credited to your account at the end of each quarter. (three month period)

We use the average daily balance method to calculate the interest in your account. This method applies to a periodic rate to the average daily balance in the account for the period. 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.

Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. (checks)

If you close your account before interest is credited, you will not receive the accrued interest.

Refer to the accompanying rate sheet for information concerning interest rate, annual percentage yield, and minimum balance requirements.

NOW Accounts

FEE INFORMATION
The following fee charges will apply to the maintenance of your NOW account:

Monthly Average Daily Balance          Monthly Maintenance Fee Per Check Charge
$0.00 to $499.00      $6.00 $ 0.15
$500.00 to $1,499.99 $2.50 $ 0.15
$1,500.00 and above -$0.00- $ 0.15

The average daily balance method is used to calculate the average balance in your account during the month. See below for a description of the average daily balance method. See the accompanying Common Fee Schedule for additional fees that may be charged to your account.

INTEREST FEATURES

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate for your account at any time. Interest will be compounded and credited to your account every month. We use the average daily balance method to calculate the interest in your account. This method applies a periodic rate to the average daily balance in the account for the period. 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.

Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. (check)

If you close your account before interest is credited, you will not receive the accrued interest.

Refer to the accompanying rate sheet for information concerning interest rate, annual percentage yield, and minimum balance requirements.

HiFi

The Minimum Deposit to Open a HIFI Account is $2,500.00

FEE INFORMATION

A monthly maintenance fee of $8.00 will be charged to your account during each month or statement period in which the average daily balance in your account drops below $1,500.000. See the accompanying Common Fee Schedule for additional fees that may be charged to your account.

TRANSACTION LIMITATIONS

No checks or drafts are permitted on your HIFI account with the exception of Pre-Authorized, Automatic Drafts with a limit of 3 per month. Total of transactions made in person is unlimited. Minimum transfer amount is $100.00

INTEREST FEATURES

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate for your account at any time.

We use the average daily balance method to calculate the interest in your account. This method applies to a periodic rate to the average daily balance in the account for the period. 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.

Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. (checks)

If you close your account before interest is credited, you will not receive the accrued interest.

The average daily balance you maintain in the account determines the interest rate and annual percentage yield you will receive. Refer to the accompanying rate sheet for information concerning interest rate, annual percentage yield, and minimum balance requirements. (Average daily balance method described above and on the rate sheet)