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ALL ABOUT YOUR CONSUMER DEPOSIT ACCOUNTS

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Free Checking Account
Minimum balance to open the account - You must deposit $100.00 to open this account.

"Secure Plus Club" Checking Account
Minimum balance to open the account - You must deposit $100.00 to open this Account.

Fees: There is a monthly club service charge for this account for insurance coverage, the amount being determined by the plan selected by the customer.

Investment 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 anytime.

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 $1,000.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Daily Balance computation method - We use the daily balance method to calculate theinterest on your account. This method applies a daily periodic rate to the principal in the account each day.

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

MBA Account (Mature Banking Associates) (This account is available for persons 55 Years of age or older)

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 monthly maintenance fee will be imposed each monthly statement cycle if the balance in the account falls below $500.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2,500.00 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 non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Fees: A per item debit fee will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if the balance in the account falls below $500.00 any day of the cycle.

Money Market Growth 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 and credited to your account every month.

Minimum balance to open the account - You must deposit $1000.00 to open this account.

Minimum balance to avoid imposition of fees - A monthly maintenance fee will be imposed each monthly statement cycle if the balance in the account falls below $1000.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1000.00 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).

Transaction limitations - Transfers from a Money Market Growth Account to another account or to third parties by automatic, preauthorized, telephone or computer transfer, check, draft, debit card, or similar order to third parties are limited to six per statement cycle.

Fees: An excessive transaction fee will be charged for each withdrawal that exceeds the "transaction limitations" during a statement cycle.

Regular Savings 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 day. Interest will be credited to your account every quarter.

Minimum balance to open the account - You must deposit $50.00 to open this account.

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 non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Transaction limitations - Transfers from a Regular Savings account to another account or to third parties by automatic, preauthorized, telephone or computer transfer, debit card, or similar order to third parties are limited to six per month.

Fees: An excessive savings withdrawal debit fee will be charged for each withdrawal in excess of six during a quarter.

Christmas Savings Account
Rate Information - Your interest rate and annual percentage yield may change at any time.

Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every quarter.

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 non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Transaction limitations - Transfers from a Christmas Savings Account to another account or to third parties by preauthorized, automatic, telephone, computer transfer or by debit card or similar order to third parties are limited to six per month.

Fees: An excessive savings withdrawal debit fee will be charged for each withdrawal in excess of six during a quarter.


CONSUMER SCHEDULE OF SERVICE CHARGES AND FEES

Free Checking Account 
  - Monthly fee
  - Per item withdrawal fee

Secure Plus Club Checking Account
Monthly Club service charge determined as follows:
- Single Plan service charge
- Family Plan service charge

Investment Checking Account 
- Monthly fee
- Per item withdrawal fee

Mature Banking Associates Account
For those 55+ years of age
If daily balance falls below $500
- Monthly maintenance fee
- Per item debit fee

Money Market Growth Account
If daily balance falls below $1,000
- Monthly maintenance fee
- Excessive transaction fee
  (per statement cycle)

Regular Savings Account/Christmas Savings Account 
- Excessive Savings withdrawal debit fee
 
General Charges
** Returned Item Fee
** Overdraft Fee
Stop Payment
Deposited Returned Check Fee
Wire Transfer
- Customer
     - Incoming
     - Outgoing
- Non-Customer
- International Wire Transfer
* Cashier's Check - Customer
- Non-Customer
* Traveler's Checks (per hundred)
Collection Item Outgoing/Incoming
Collection of Municipal Bonds
Garnishment/Levy
Interim Statement
Copy of Checks
Account Research/Balancing:
         -$.25 per copy + $20.00 hourly
Early Account Closing Fee (within 90 days) 
Telephone Transfer: 
   - Bank Assisted
   - Netline
   - Quickline
Overdraft Protection (transfer arrangements)
Replacement ATM/Debit Card
Dormant Account Charge (after 12 months) per month
ATM Withdrawal Special Fee

$ 0.00
$ 0.00



$ 8.00
$ 10.00


$ 0.00
$ 0.00




$ 2.00
$ .20



$ 5.00
$ 7.00



$ 7.00


$ 35.00
$ 35.00
$ 35.00
$ 5.00


$ 15.00
$ 20.00
$ 30.00
$ 75.00
$ 5.00
$ 10.00
$ 2.00
$ 15.00
$ 20.00
$ 50.00
$ 3.00
$ 1.00


$ 20.00

$ 5.00
$ 0.00
$ 0.00
$ 5.00
$ 5.00
$10.00
$ 1.00

(ATM fees will be assessed at ATMs we do not own and operate regardless of balances maintained. Organizations which also assess fees for use of their ATM should post fees on the ATM screen.)

* Secure Plus Club and Mature Banking Associates receive Discount
** In addition to Overdraft/Returned Item Fees, a fee of $5 per day will be charged to accounts that remain overdrawn on the 3rd day after the initial overdraft occurs.