PASSBOOK: Interest is paid on balances over $10.00 with interest compounded daily. Statements are printed quarterly. The PASSBOOK ACCOUNT has a variable rate which may change periodically. There are no service fees associated with this account.

MONEY MARKET: A minimum deposit of $2,500 is required to open this account. Accounts with balances over $2,500 will earn the Money Market Savings interest rate and accounts with balances less than $2,500 will earn the Passbook Savings interest rate. The minimum withdrawal amount is $300.00.

MONEY MARKET SAVINGS ACCOUNT

Rate Information

Our interest rates will vary depending on the average daily balance maintained in the account. Refer to the following list to see the different increments levels at which we pay interest. Please give us a call for our current Money Market rates.

• Greater than $50,000
• $25,000 - 49,999
• $10,000 - 24,999
• $2,500 - 9,999
• $10 - 2,499

Interest will not be paid on balances below $10. At our discretion, we may change the interest rate on your account at any time, which in turn may changer your annual percentage yield. Interest will be compounded daily on a 365 day basis. Interest will be credited to your account every month on a 365 day basis. If you close your account before interest is credited, you may not receive the accrued interest. 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. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Balance Information

A minimum deposit of $2,500 is required to open this account. You must maintain a minimum balance of $10 in the account each day to obtain the disclosed annual percentage yields described above.

Transaction Limitations

You are limited to 6 preauthorized transfers per month. Preauthorized transfers include transfer by check or draft and automatic, telephone, or Internet transfers made though an automated clearing house (ACH) or other arrangement to pay a third party. The minimum amount you may withdraw is $300. The bank may require at least seven days written notice of an intended withdrawal.

Fee Information

The following fees may be assessed against your account:

Bookkeeping Search, Account Reconciliation	$ 25.00/hour $ 10.00 minimum
Photocopies	$ .15/copy
Dormant Account (no activity for one year or statements returned for incorrect address)	$ 2.00/month