Truth in Savings Disclosure

Statement 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 quarter. Interest will be credited to your account every quarter.

There is a minimum deposit of $50 required to open the account. Minimum balance to avoid imposition of fees- A service charge fee of $1.00 will be imposed every month if the average daily balance for the month falls below $50.00. The average daily balance is calculated by adding the principal in the account for each day by the period and dividing that figure by the number of days in the period.

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 on the business day you deposit non-cash items (for example, checks).

Transactions limitations-Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, or telephonic transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

Fees- A service charge of $.50 will be charged for each debit transaction in excess of 18 during a quarterly statement cycle. Fees waived if account holder is under 18 years of age.

Classic Checking Account

No minimum balance. No monthly service charge. Free monthly statement. Unlimited transactions. Cash card or debit card available. Checks safe-kept at bank.

Please see the Common Fee Schedule for details on this account.

Personal Checking Account

There is a minimum deposit of $100 required to open the account. Minimum balance to avoid imposition of fees- A service charge fee of $5.00 plus a per item fee of $.25 per debit transaction (withdrawal, ATM withdrawal, check paid, automatic transfer or payment out of this account) will be imposed every statement cycle if the balance in the account falls below $100.00 any one day of the cycle. Cash card or debit card available.

Please see the Common Fee Schedule for details on this account.

NOW Account

Rate Information-Your interest rate and annual percentage yield may change. Frequency of rate change-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 avoid imposition of fees-A service charge fee of $5.00 plus $.25 for each debit transaction (withdrawal, ATM withdrawal, debit card, check paid, automatic transfer, or payment out of this account) will be imposed every statement cycle unless you maintain either a minimum daily balance of $500.00 or a minimum average daily balance of $1000.00 for the monthly 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. Minimum deposit to open the account is $500.

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 on the business day you deposit non-cash item (for example, checks).

Please see the Common Fee Schedule for details on 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 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. There is a minimum opening deposit of $2500. Minimum balance to avoid imposition of fees- A service charge fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $2500.00 any one day of the cycle. 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 on the business day you deposit non-cash items (for example, checks). Transaction limitations-Transfers from a Money Market Deposit account to another account or to third parties by preauthorized, automatic or telephonic transfer are limited to six per monthly statement cycle with no more than three by check, draft, or similar order to third parties.

The interest rate and annual percentage yield for your account depends upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. We may change the interest rate on your account daily.