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FDIC Equal Housing Lender

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Regular Checking Account

· $0.06 per item fee
· $0.10 credit back per $100 balance
· Non-interest bearing account

· Available for Business and Consumer accounts

NOW Account

· $500.00 Minimum to open account
· $500.00 Minimum balance to avoid service charges
· Interest bearing account

· If the balance falls below the minimum any day of the monthly cycle, a service charge of $5.00 will apply and a per debit fee of $.06 will be charged for each debit transaction
Super NOW Account

· $2,500.00 Minimum to open account
· $500.00 Minimum balance to avoid service charges
· Interest bearing account

· If the balance falls below the minimum any day of the monthly cycle, a service charge of $5.00 will apply. A per debit fee of $.06 will be charged for each debit transaction
Money Market Account

· $1,000.00 Minimum to open account
· $1,000.00 Minimum balance to avoid service charges

· If the balance falls below the minimum any day of the monthly cycle, a service charge of $7.00 will apply. Transfers from a Money Market account to another account or to third parties by pre-authorized, automatic or telephone transfers are limited to six per month. No more than three of the six permitted transfers may be made by check, draft, debitcard, or similar order
Business Plus

· $2,500.00 Minimum to open account
· $2,500.00 Minimum balance to avoid service charges
· Interest bearing account

· If the balance falls below the minimum any day of the monthly cycle, a service charge of $7.00 will apply and a per debit fee of $.06 will be charged for each debit transaction
Business Account Analysis · Account information available upon request
Regular Savings Account

· Interest bearing account
· Transfers from a Savings account to another account or to third parties by pre-authorized, automatic or telephone transfers are limited to six per month

· Available for Business and Consumer accounts

CDs If your looking for a stable, strong investment consider our CD's. They provide high yields that are guaranteed for the term of the investment regardless of the changing conditions. They come in a variety of flexible terms so you are in control of your money. Our CD's are secured by the FDIC. We have terms ranging from 3 months to 3 years with a variety of interest payout methods. We use the daily balance method to calculate interest on your account.
IRAs We also offer a variety of IRA accounts. They are an excellent tax deferred savings plan which may provide you with extra income for your retirement.

The following terms apply to all interest bearing Checking Accounts and Savings Accounts:
· Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). In other words, interest is paid on collected balances.
· 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.
· Interest for your NOW account and Money Market account will be compounded and credited monthly. Interest for your Savings Account will be compounded and credited quarterly. If you close your account before interest is credited, you will not receive the accrued interest.
· You must maintain the applicable minimum balance disclosed, on the Account Disclosure, in the account each day to obtain the disclosed annual percentage yield.

· Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily.