Personal Checking

Effective Date: September 2009

Checking

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

Account Fees: A SERVICE CHARGE FEE OF $8.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE OF THE ACCOUNT FALLS BELOW $700.00 ANY DAY OF THE CYCLE.

Truncated Checking

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

Account Fees: A SERVICE CHARGE FEE OF $4.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE OF THE ACCOUNT FALLS BELOW $700.00 ANY DAY OF THE CYCLE. 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.

Individual Club Account

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

Account Fee: A SERVICE CHARGE FEE OF $10.00 WILL BE IMPOSED EVERY STATEMENT CYCLE. 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.

Family Club Account

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

Account Fee: A SERVICE CHARGE FEE OF $12.00 WILL BE IMPOSED EVERY STATEMENT CYCLE.

Senior Citizen's

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

Account Fee: NO MONTHLY SERVICE CHARGE. MUST BE 62 YEARS OR OLDER.

Senior Citizens Club Account

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

Account Fee: A SERVICE CHARGE FEE OF $5.00 WILL BE IMPOSED EVERY STATEMENT CYCLE. MUST BE 62 YEARS OR OLDER.

Senior Citizens Family Club Account

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

Account Fee: A SERVICE CHARGE FEE OF $6.00 WILL BE IMPOSED EVERY STATEMENT CYCLE. MUST BE 62 YEARS OR OLDER.

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.

Account Fees: A SERVICE CHARGE FEE OF $10.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE OF THE ACCOUNT FALLS BELOW $1,500.00 ANY DAY OF THE CYCLE PLUS $.10 PER DEPOSITED ITEM IN ACCESS OF 30 PER CYCLE.

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.

Account Fees: A SERVICE CHARGE FEE OF $10.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE OF THE ACCOUNT FALLS BELOW $1,500.00 ANY DAY OF THE CYCLE PLUS $.10 PER DEPOSITED ITEM IN ACCESS OF 30 PER CYCLE.

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.

Account Fees: A SERVICE CHARGE FEE OF $10.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE OF THE ACCOUNT FALLS BELOW $1,500.00 ANY DAY OF THE CYCLE PLUS $.10 PER DEPOSITED ITEM IN ACCESS OF 30 PER CYCLE. THE ACCOUNT WILL NOT EARN INTEREST IF THE BALANCE FALLS BELOW $1,500.00 DURING ANY BAY OF THE CYCLE.

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.

Account Fees: A SERVICE CHARGE FEE OF $12.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE OF THE ACCOUNT FALLS BELOW $1,500.00 ANY DAY OF THE CYCLE PLUS $.10 PER DEPOSITED ITEM IN ACCESS OF 30 PER CYCLE. THE ACCOUNT WILL NOT EARN INTEREST IF THE BALANCE FALLS BELOW $1,500.00 DURING ANY DAY OF THE CYCLE.

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.

Account Fees: A monthly service charge of $15.00 will be imposed if the account balance falls below $5000.00 any day during the statement cycle plus $0.10 per deposited item of 30 per statement cycle plus $1.00 per withdrawal by check in excess of 6 per statement cycle.