Thursday, August 28, 2008 

Both the Interest Rate and Annual Percentage Yield will depend upon the daily balance in the account as shown below and are variable at the discretion of the Bank and may change at any time without notice.

Balance
$0-2,499
$2,500-9,999
$10,000-24,999
$25,000-49,999
$50,000 +

Interest begins to accrue when you deposit non-cash items or cash.

Interest will be compounded monthly and will be credited monthly.

Minimum Balance Requirements:
The minimum balance required to open this account is $50.00.

The average daily balance method is used to calculate interest on this account.

A monthly service charge of $2.00 will apply if an average daily balance of $2,500 is not maintained.

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.

Statement Information:
A monthly statement reporting all account activity will be provided.

At the accountholder's request, other deposit and loan accounts may be listed on the monthly statement.

All cancelled checks are retained by the Bank for safekeeping.  Check images may be obtained for $3.00 per month.

Transaction Limitations:
Up to six (6) preauthorized or check card transactions may be made during any four (4) week period or similar period, of which only three (3) may be payments by check to third parties.

There is no limitation on the number of transactions that may be made in person by the accountholder.

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Member FDIC - Equal Housing Lender.