Regular Savings

• Minimum opening deposit $25.00
• Minimum daily balance less than $200
• Monthly service charge $4.00
• Two free withdrawals per calendar month
• Each additional withdrawal $3.00
• Quarterly statement
• See "Transfer Limitations"*
• See "Balance Computation Method"^

Prime Savings

• Earn preferred rates on higher balances
• Minimum opening deposit $2,500
• Minimum daily balance below $200
• Monthly service charge $4.00
• Two free withdrawals per month
• Each additional withdrawal $3.00
• Quarterly statement
• See "Transfer Limitations"*
• See "Balance Computation Method"^

Children's Savings
(up to 18 years of age)

• Minimum opening deposit of $25.00
• No minimum balance required
• No monthly service charge
• Two free withdrawals per month
• Each additional withdrawal is $3.00
• Quarterly statement
• See "Transfer Limitations"*
• See "Balance Computation Method"^

Christmas Savings

• Minimum opening deposit $25.00
• Early withdrawal fee $10.00
• Fee for check less than $100 is $3.00
• Checks issued in early November
• Competitive rate of interest compounded daily using collected balance, interest credited annually.

Money Market Account

• Minimum opening deposit $2,500
• Minimum daily balance below $1,000
• Monthly service charge is $5.00
• A per item fee of $5.00 will be charged for each debit transaction by check, draft or similar order to third parties in excess of three during a statement cycle.
• Monthly statement
• See "Transfer Limitations"*
• See "Balance Computation Method"^

Money Market IRA

• Minimum opening deposit $100
• Additional deposit allowed at any time in any amount
• Withdrawals prior to age 59 1/2 are subject to additional IRS penalties
• Quarterly statement
• See "Balance Computation Method"^

Certificates of Deposit
(Regular and IRA)

• Minimum opening deposit $500
• Earns competitive rate of interest
• Interest rates vary with length of maturity

*Transfer Limitations: Transfers from Savings or Money Market accounts to another account or to third parties by preauthorization, automatic or telephone transfers are limited to six per month with no more than three transfers by check, draft or similar order to third parties.

^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.

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

Accrual of interest on noncash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).