MONEY MARKET ACCOUNT An interest-earning investment account which allows ready access to your funds by check or withdrawal. Monthly fees can be eliminated by maintaining a minimum monthly balance.

• $100 minimum to open account
• Market interest rate paid
• Interest rate subject to change at any time
• Interest compounded monthly and credited to account monthly
• $7.50 maintenance fee imposed if balance on account drops below $2,500, or a minimum average daily balance of $5,000
• $.25 Per-debit item fee assessed if minimum balance requirements are not met
• Six preauthorized debit or transfers permitted each statement cycle with no more than three of these by check, draft, debit card or similar order to third parties
• Check Safekeeping

PERSONAL SAVINGS ACCOUNT A traditional savings vehicle to meet a variety of needs and lifestyles. Monthly fees can be eliminated by maintaining a minimum monthly balance.

• $50 minimum to open account
• Account earns market rate of interest subject to change at any time
• Interest compounded monthly and credited monthly
• $2 monthly maintenance fee imposed if the balance falls below $200 any day of the month
• Six preauthorized transfers permitted each statement cycle with no transfers by check, draft, debit card or similar order to third parties

CHRISTMAS CLUB SAVINGS

• $1 minimum opening deposit required
• Save in virtually any amount you wish during the year
• Checks representing contributions sent in November to account holder

CERTIFICATES OF DEPOSIT A high yield return on an investment that is FDIC insured. A variety of rate and term options to meet your needs.

• Various terms available
• Market interest rate paid
• Early withdrawal penalties may be imposed
• Accounts automatically renew for similar term upon maturity

Please discuss our Savings programs and Certificates of Deposit with a Customer Service Representative for current interest rate information and to receive complete disclosure on the account of your choice.

CERTIFICATES OF DEPOSIT For those who prefer to manage their own IRAs, we offer CD IRAs with 6 month and 18 month maturities.

• IRAs invested in term certificates of deposit
• Market interest rate paid
• Interest compounded quarterly and credited to account quarterly
• $500 minimum opening deposit required
• You may make deposits into your IRA until age 70-1/2
• Withdrawals from principal, before maturity, subject to approval.
• Early withdrawal penalties may be imposed
• Married couples are eligible to save up to $8,000 annually, with both earning and non-earning spouses eligible for $4,000 annual contributions, if 50 or over you may make an additional $500 Catch Up Contribution