Personal Checking

Effective Date: September 2009

Checking

Limitations: You must deposit $100.00 to open this account.

Truncated Checking

Limitations: You must deposit $100.00 to open this account.

Individual Club Account

Limitations: You must deposit $100.00 to open the account.

Family Club Account

Limitations: You must deposit $100.00 to open the account.

Senior Citizen's

Limitations: You must deposit $100.00 to open the account.

Senior Citizens Club Account

Limitations: You must deposit $100.00 to open the account.

Senior Citizens Family Club Account

Limitations: You must deposit $100.00 to open the account.

Non-Profit

Limitations: You must deposit $100.00 to open the account. No monthly service charge.

NOW

Limitations: You must deposit $100.00 to open the account.

Rate information: Please contact the bank for current rate and balance requirement information.

The interest rate and annual percentage yield may change. At out discretion, we may change the interest rate on the account MONTHLY. Interest begins to accrue on the business bay you deposit noncash items (for example checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance information: We use the daily balance method calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

Truncated NOW

Rate information: Please contact the bank for current rate and balance requirement information.

The interest rate and annual percentage yield may change. At out discretion, we may change the interest rate on the account MONTHLY. Interest begins to accrue on the business bay you deposit noncash items (for example checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance information: We use the daily balance method calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open the account.

NOW Individual Club

Rate information: Please contact the bank for current rate and balance requirement information.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account MONTHLY. Interest begins to accrue on the business day you deposit noncash items (for example checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance information: We use the daily balance method calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open the account.

NOW Family Club

Rate information: Please contact the bank for current rate and balance requirement information.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account MONTHLY. Interest begins to accrue on the business day you deposit noncash items (for example checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance information: We use the daily balance method calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open the account.

Money Market Checking

Rate Information: Please contact the bank for current rate and balance requirement information.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account MONTHLY. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) weeks or a similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction, Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transaction), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.