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 semi-annually and will be credited semi-annually.

Minimum Balance Requirements:
The minimum opening deposit for this account is $10.00.

An average daily balance of $200.00 is required to avoid a service charge of $3.00 per month.

If applicable, the monthly service charge is waived until the accountholder is 18 years of age.

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

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.

Transaction Limitations:
There is no transaction limit on this account.

The Bank reserves the right to require seven (7) days notice in writing prior to any intended withdrawal from this account.  Although the Bank usually pays withdrawals without notice, doing so does not mean the Bank gives up this right.

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