CHECKING

Effective Date: October 15, 2012

ACCOUNT TYPE ¹	Minimum Deposit	Min. Daily Balance	Interest Rate	APY 3
SUPER NOW	$1000.00	$1000.00 ²	.15%	.15%
REGULAR	$50.00	$1.00	n/a %	n/a %

Notes:
¹ Additional costs may include price for check reorders, and a $25 OD/NSF fee.

² If Minimum Daily Balance drops below $1,000.00 rate remains at .15% (.15% APY)

A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

³ APY (Annual Percentage Yield - Total yield after 365 days assuming interest is re-invested)