Minimum Balance= $300.00

• Minimum balance to avoid service charges--If your balance falls below $400 on any day in the monthly statement cycle we will impose a service charge fee of $10 for that monthly statement cycle. This fee will not be imposed if an average daily balance of $1,500 is maintained during the statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in that period.
• If your balance is at least $400 on every day in the monthly statement cycle but falls below $600 on any day during the monthly statement cycle we will impose a service charge fee of $8 for that monthly statement cycle. This fee will not be imposed if an average daily balance of $1,501 is maintained during the statement cycle.
• If your balance is at least $600 on every day in the monthly statement cycle but falls below $900 on any day during the monthly statement cycle we will impose a service charge fee of $6 for that monthly statement cycle. This fee will not be imposed if an average daily balance of $1,502 is maintained during the statement cycle.

Fees:  An excess activity fee of $0.25 will be charged for each check written in excess of 30 during a monthly statement cycle.

Economy Checking

Minimum Balance= $100.00

Fees:  A service charge fee of $5.00 will be charged each monthly statement cycle.  A per check charge fee of $0.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account).

Money Market Deposit 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 every week.

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.

Effect of Closing an Account:  If you close your account before interest is credited, you will not receive the accrued interest.

Minimum Balance to Open the Account:  You must deposit $2,500.00 to open this account.

Minimum Balance to Avoid Imposition of Fees:  If your balance falls below $501.00 on any day in the monthly statement cycle, we will impose a service charge fee of $25.00 for that monthly statement cycle.  If your balance is at least $501.00 on every day in the monthly statement cycle but falls below $2,501.00 on any day during the monthly statement cycle, we will impose a service charge fee of $15.00 for that monthly statement cycle.

Minimum Balance to Obtain the Annual Percentage Yield Disclosed:  You must maintain a minimum balance of $501.00 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 on the first business day after the banking day you deposit your noncash items (for example, checks).

Transaction Limitations:  Transfers from a Money Market Deposit account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.