CHECKING


Effective Date: January 19, 2010

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

Notes:
¹ Additional costs may include price for check reorders, and a $15 OD/NSF fee.

² If Minimum Daily Balance drops below $1,000.00 rate drops to 1.00% (1.00% APY)

A service charge fee of $5.00 will be imposed every statemant 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)