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Our basic account with no maintenance fee if balance is kept above
$500.00 per month. You are allowed 20 free checks per month and
any more than that are $ .15 each.

An interest bearing account using the daily balance method to
calculate the interest. A $500.00 minimum balance in the account
each day during the statement cycle is required to obtain our disclosed
Annual Percentage Yield. No maintenance fee over $500.00 and 20
free checks with anymore than that being charged a fee of $ .15
each.

Money Market Account-interest bearing account. $5,000.00 is required
to open this variable interest rate account. Transactions per month
are limited.

$25.00 required to open this type of account. A maintenance fee
of $3.00 per statement cycle is charged if balance falls below $500.00.

No account maintenance fee for persons over 65 years of age. A
$ .15 per check fee will be assessed for more than 20 checks per
statement cycle.

No account maintenance fee. A $ .15 per check charge will be assessed
for more than 20 checks per statement cycle.

A Health Savings Account is an IRA-like account that is designed exclusively for covering qualified medical expenses. Use the checks or debit card from your account to pay for qualified medical expenses. Ask us how an HSA can benefit you.

| Check Handling charge |
$12.00 per check |
| Stop Payment fee |
$10.00 per item |
| Dormant Account fee |
$3.00 per statement cycle |

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