CHECKING

Free Checking

Minimum balance to open an account
You must deposit $25.00 to open this account.

Minimum balance to avoid imposition of fees
There are no minimum balance requirements.

Rate information
This is a non-interest bearing account.

Truncation
This account is truncated. Each account will receive a monthly detailed transaction statement. Checks and other items will be retained by the bank for safekeeping on microfilm. This account requires the use of "Duplicate" (carbon copy) checks.

Account Fees
Statement Copies can be reproduced at account research rates of $20.00 per hour with a $.25 per item reproduction fee. Upon request, the bank will provide two items per monthly statement cycle without charge to the customer.

Regular Checking Account

Minimum balance to open the account
You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $10.00 will be imposed every statement cycle if the average daily balance for the cycle falls below $200.00. 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.

NOW Checking Account

Rate information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open the account
You must deposit $200.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.00. 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.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method
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.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Super Checking Account

Rate Information
Your interest rate and annual percentage yield may change.

Frequency of rate changes
We may change the interest rate on your account at any time.

Determination of rate
At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency
Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to open the account
You must deposit $2,500.00 to open this account.

Minimum balance to avoid imposition of fees
A service charge fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle if the average daily balance for the monthly statement cycle falls below $2,500.00. 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.

Minimum balance to obtain the annual percentage yield disclosed
You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method
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.

Accrual of interest on noncash deposits
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).