SAVING

Rate information: This Account is an interest bearing account. The interest rate on the account is 1.00% an annual percentage yield of 1.26%.

The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account DAILY. Interest begins to accrue on the business day you deposit noncash items (for example checks).  Interest will be compounded quarterly and will be credited to the account quarterly.  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 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.  AN EXCESS WITHDRAWAL FEE OF $1.00 WILL BE CHARGE FOR EACH TRANSACTION IN EXCESS OF SIX PER MONTH.

Account Fees: A SERVICE FEE OF $5.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE FALLS BELOW $150.00 ANY DAY OF THE CYCLE.

BUSINESS SAVINGS

Rate information:  This Account is an interest bearing account.  The interest rate on the account is 0.50% with an annual percentage yield of 0.50%.

The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account DAILY. Interest begins to accrue on the business day you deposit noncash items (for example checks).  Interest will be compounded quarterly and will be credited to the account quarterly.  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.  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 day in the period.  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 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.  AN EXCESS WITHDRAWAL FEE OF $1.00 WILL BE CHARGE FOR EACH TRANSACTION IN EXCESS OF SIX PER MONTH.

Account Fees: A MONTHLY SERVICE FEE OF $5.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE FALLS BELOW $150.00 ANY DAY OF THE CYCLE.

SUPER SAVERS

Rate information:  This Account is an interest bearing account.  The interest rate on the account is 1.25% an annual percentage yield of 1.26%.

The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account DAILY. Interest begins to accrue on the business day you deposit noncash items (for example checks).  Interest will be compounded quarterly and will be credited to the account quarterly.  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 $2,500.00 to open this account.  WITHDRAWALS FROM A SUPER SAVINGS TO ANOTHER ACCOUNT OR TO THIRD PARTIES BY PREAUTHORIZED, AUTOMATIC, OR PHONE TRANSFERS ARE LIMITED TO SIX PER MONTH WITH NO TRANSFERS BY CHECK, DRAFT, DEBIT CARD, OR SIMILAR THIRD PARTIES.  AN EXCESS WITHDRAWAL FEE OF $1.00 WILL BE CHARGED FOR EACH EXCESS

Account Fees: A MONTHLY SERVICE FEE OF $10.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE FALLS BELOW $2,500.00 ANY DAY OF THE CYCLE

SUPER SAVERS – BUSINESS

Rate information:  This Account is an interest bearing account.  The interest rate on the account is 1.25% an annual percentage yield of 1.26%.

The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account DAILY. Interest begins to accrue on the business day you deposit noncash items (for example checks).  Interest will be compounded quarterly and will be credited to the account quarterly.  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 $2,500.00 to open this account.  WITHDRAWALS FROM A SUPER SAVINGS TO ANOTHER ACCOUNT OR TO THIRD PARTIES BY PREAUTHORIZED, AUTOMATIC, OR PHONE TRANSFERS ARE LIMITED TO SIX PER MONTH WITH NO TRANSFERS BY CHECK, DRAFT, DEBIT CARD, OR SIMILAR THIRD PARTIES.  AN EXCESS WITHDRAWAL FEE OF $1.00 WILL BE CHARGED FOR EACH EXCESS

Account Fees: A MONTHLY SERVICE FEE OF $10.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE FALLS BELOW $2,500.00 ANY DAY OF THE CYCLE

PB DIRECT

Rate information:  This Account is an interest bearing account.  The interest rate on the account is 0.50% with an annual percentage yield of 0.50%.

The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account DAILY. 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 may make six (6) transfers from your account each month with no transfers by check, draft, or similar order to third parties.  AN EXCESS WITHDRAWAL FEE OF $1.00 WILL BE CHARGE FOR EACH TRANSACTION IN EXCESS OF SIX PER MONTH.  There will be no ATM access available.

Account Fees: A SERVICE FEE OF $4.00 WILL BE IMPOSED EVERY STATEMENT CYCLE.

COUPON CHRISTMAS CLUB

Rate information:  This Account is an interest bearing account.  The interest rate on the account is 0.50% an annual percentage yield of 0.50%.

The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account DAILY. Interest begins to accrue on the business day you deposit noncash items (for example checks).  Interest will be compounded annually and will be credited to the account annually.  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 $5.00 to open this account.  You may no make withdrawals from your account until the maturity data.

Account Fees:  A $10.00 service fee for any account closed before maturity.

Automatic Christmas Club

Rate information:  This Account is an interest bearing account.  The interest rate on the account is 0.75% an annual percentage yield of 0.75%.

The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account DAILY. Interest begins to accrue on the business day you deposit noncash items (for example checks).  Interest will be compounded annually and will be credited to the account annually.  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.  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.  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 $5.00 to open this account.  You may no make withdrawals from your account until the maturity data.

Account Fees:  A $10.00 service fee for any account closed before maturity.

MINOR - SAVINGS

Rate information:  This Account is an interest bearing account.  The interest rate on the account is 0.50% an annual percentage yield of 0.50%.

The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account DAILY. Interest begins to accrue on the business day you deposit noncash items (for example checks).  Interest will be compounded quarterly and will be credited to the account quarterly.  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 $1.00 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.  AN EXCESS WITHDRAWAL FEE OF $1.00 WILL BE CHARGE FOR EACH TRANSACTION IN EXCESS OF SIX PER MONTH.

Account Fees:  NO QUARTERLY SERVICE CHARGE ON A MINOR ACCOUNT.