Thursday, August 28, 2008 

Both the Interest Rate and Annual Percentage Yield are variable at the discretion of the Bank and may change at any time without notice.

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 $5.00 will apply if an average daily balance of $1,000 is not maintained.

A monthly service charge of $4.00 will apply if the average daily balance falls below $2,500 but stays above $1,000.

No monthly service charge will apply if an average daily balance of $2,500 is 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:
There is no transaction limit on this account.

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Member FDIC - Equal Housing Lender.