PERSONAL BANKING PRODUCTS

Personal Checking

• Unlimited Check Writing
• Unlimited ATM Withdrawals

Personal Interest Checking

Minimum Balance Requirements
An opening deposit of $1,000 is required. Monthly service fee of $10.00 will be charged unless a $3,000 minimum daily balance is met.

Compounding and Crediting
Interest will compound daily and credit monthly. Closing the account prior to interest payment will result in forfeiture of accrued interest.

• Interest Bearing Account
• Unlimited Check Writing
• Unlimited ATM Withdrawals

Disclosure of Account terms: For complete disclosure information, please refer to the Account Disclosure Statement provided at the time of opening these accounts.

Personal Savings

Minimum Balance Requirements
A deposit of $500 is required to open this account. A daily collected balance of $500 or a quarterly average collected balance of $500 is required to avoid a $9.00 quarterly service charge.

Compounding and Crediting
Interest will compound daily and credit quarterly. Closing the account prior to interest payment will result in forfeiture of accrued interest.

• Interest Bearing Account
• Quarterly Statement
• ATM Withdrawal Capabilities

Transaction Limitations: You may make up to six (6) withdrawals from your account each four (4) week or 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 draft, debit card or similar order (including POS transactions), 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.

A $15.00 excessive withdrawal fee will be assessed for each transaction exceeding the limitations.

Personal Money Market

Minimum Balance Requirements
A deposit of $5,000 is required to open this account. Monthly service fee of $15.00 will be charged unless a $10,000 minimum daily balance is met.

Transaction Limitations: You may make up to six (6) withdrawals from your account each four (4) week or 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 transactions), 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.

A $15.00 excessive withdrawal fee will be assessed for each transaction exceeding the limitations.

Compounding and Crediting
Interest will compound daily and credit monthly. Closing the account prior to interest payment will result in forfeiture of accrued interest.

• Interest Bearing Account
• Monthly Statement
• ATM Withdrawal Capabilities

Certificates of Deposit

• 3, 6, 9, 12, and 24 month terms
• An opening deposit of $1,000 is required.

Disclosure of Account Terms
For complete disclosure information, please refer to the Account Disclosure Statement provided at the time of opening these accounts.

Compounding and Crediting
Interest will compound daily and credit monthly. Closing the account prior to interest payment will result in forfeiture of accrued interest. Penalties will be imposed for early withdrawal.

CONSUMER LOANS

• Home Equity Lines of Credit* and loans for single family residential properties.
• Installment Loans*
• Overdraft Protection Lines*
• Construction Loans* for single-family residential properties.
• Residential Mortgage Loans* for owner-occupied and residential rental properties.