Truth-In-Savings Disclosure

Regular Checking Account

Minimum balance to open the account - You must deposit $250.00 to open this account.

Minimum balance to avoid imposition of fees - If your balance falls below $300.00 on any day in the monthly statement cycle we will impose a minimum balance fee of $5.00 once during the statement cycle. This fee will be waived if you are age 65 or older. This fee will also be waived if you are a full time student (grades 9 thru 12).

If your balance is at least $300.00 on every day in the monthly statement cycle but falls below $400.00 on any day during the monthly statement cycle we will impose a minimum balance fee of $4.00 once during the statement cycle. This fee will be waived if you are age 65 or older. This fee will also be waived if you are a full time student (grades 9 thru 12).

If your balance is at least $400.00 on every day in the monthly statement cycle but falls below $500.00 on any day during the monthly statement cycle we will impose a minimum balance fee of $3.00 once during the statement cycle. This fee will be waived if you are age 65 or older. This fee will also be waived if you are a full time student (grades 9 thru 12).

Fees

An excess debit fee of $.10 will be charged for each check in excess of 20 during a statement cycle.

NOW Account

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 and based on current market conditions, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded monthly. Interest will be credited to your account every month.

Minimum balance to open the account - You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees - A minimum balance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

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 no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Fees

An excess debit fee of $.10 will be charged for each check in excess of 20 during a statement cycle. This fee will not apply to individuals age 65 years or older.

Money Market Account

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 and based on current market conditions, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded monthly. Interest will be credited to your account every month.

Minimum balance to open the account - You must deposit $1,000.00 to open this account.

Minimum balance to avoid imposition of fees - A minimum balance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

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 no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations

Transfers from a Money Market 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.

The bank reserves the right to change the account type should the transaction limitations be continually exceeded.

Fees

An excess debit fee of $20.00 may be charged for each debit transaction in excess of six during a statement cycle.

Savings Account

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 and based on current market conditions, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded quarterly. Interest will be credited to your account every quarter.

Minimum balance to open the account - You must deposit $50.00 to open this account.

Minimum balance to avoid imposition of fees - A minimum balance fee of $2.50 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50.00 in the account each day to obtain the disclosed annual percentage yield.

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 no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Transaction limitations

Transfers from a Savings 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 debit card or similar order to third parties.

Fees

An excess debit fee of $1.00 will be charged for each debit transaction in excess of six during a month. This fee will not apply to individuals age 65 years or older.

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

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Deposit Accounts

Regular Checking Account - Non-Interest Bearing

• $250.00 minimum deposit to open the account
• No minimum balance fee with daily balance of $500.00
• Imaged checks returned with statements
• No service charge for senior citizens or students (9 thru 12 grades)
• Twenty free withdrawals per statement cycle
• ATM access

NOW Checking Account - Interest Bearing

• $1000.00 minimum deposit to open this account
• Twenty free withdrawals per month
• Imaged checks returned with statement
• No minimum balance fee with daily balance of $1000.00
• Interest earned on average daily collected balance, interest compounded and credited monthly
• Rates subject to change at our discretion
• ATM access

Money Market Account - Interest Bearing

• $1000.00 minimum deposit to open this account
• Limited to six withdrawals per statement cycle, with no more than three by check, draft,
  or similar order to third parties.
• Imaged checks returned with statement
• No minimum balance fee with daily balance of $1000.00
• Interest earned on average daily collected balance, interest compounded and credited monthly
• Rates subject to change at our discretion
• ATM access

Savings Account - Interest Bearing

• $50.00 minimum deposit to open this account
• Interest compounded and credited to your account every quarter
• No minimum balance fee with daily balance of $50.00
• Interest earned on average daily collected balance, interest compounded and credited
  quarterly
• Rates subject to change at our discretion
• ATM access

Member FDIC Truth-In-Savings Disclosure Equal Housing Lender

Certificates Of Deposit

• Minimum deposit of $1000.00 to open
• Terms range from 30 days to 60 months
• Interest earned daily and compound quarterly (or daily balance used to calculate interest
  on the account: interest compounds quarterly
• You may choose to have interest paid to you or another account as often as every month
• Penalties may apply to withdrawals prior to maturity
• Rates subject to change at our discretion

Individual Retirement Accounts

• Traditional IRA's offered
• 18 month variable rate
• Minimum deposit of $100.00 to open
• Daily balance method used to calculate interest on account; interest compounds quarterly
• Penalties may apply to withdrawals prior to maturity
• 59 ½ Years distribution allowed with 10% IRS penalty
• Mandatory Minimum Distribution starting at 70 ½ years

Please View Our Deposit Accounts Chart For Annual Percentage Yields