This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

Checking Accounts

Business Checking
Minimum deposit to open account: You must deposit $100.00 to open this account.

Fees: A maintenance fee of $5.00 will be assessed monthly along with a per check/debit fee of $.10, a per check deposited not drawn on us of $.10.

Advantage Checking Account
Minimum balance to open this account: You must deposit $50.00 to open this account.

No maintenance fees or per check charges apply to this account

Additional information: Cancelled checks will not be returned with your bank statement, they will be recorded by the Bank. If you need a copy of a check, contact our Bookkeeping Department. There will be a maximum of (2) check copies without charge within 90 days of when the check is paid and a $3.00 fee for each additional check copy.

Regular Checking Account
Minimum balance to open this account: You must deposit $50.00 to open this account.

Fees: A maintenance fee of $5.00 and a per check charge of $.07 for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) will be imposed on every statement cycle if the balance in the account falls below $500.00 any day of the cycle. The maintenance fee and per check charge will be waived if the Checking account is linked to either a Money Market, Savings, or Certificate of Deposit that has a minimum balance of $2,000.00.

Fees will not apply to accounts of senior citizens (age 62 or older).

NOW Account
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example: checks). Interest will be compounded monthly and will be credited to the account monthly. Minimum balance to open account: You must deposit a minimum of $750.00 to open this account.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield.

Fees: A maintenance fee of $7.50 and a per check fee of $.07 will be charged for each debit transaction (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 $750.00 any day of the cycle. The maintenance fee and per check fee will be waived if the NOW account is linked to either a Money Market, Savings, or Certificate of Deposit that maintains a minimum balance of $3,000.00

Classic Club NOW Account
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example: checks). Interest will be compounded monthly and will be credited to the account monthly.

Minimum balance to open account: You must deposit $5,000.00 in this account or have it linked to a Money Market, Savings, Certificate of Deposit, or IRA to open this account.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield.

Fees: A maintenance fee of $7.50 and a per check fee of $.07 will be charged for each debit transaction (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 $5,000.00 any day of the cycle. The maintenance fee and per check fee will be waived if the Classic Club NOW account is linked to either a Money Market, Savings, Certificate of Deposit or IRA that maintains a minimum

balance of $5,000.00.

Money Market Accounts

Money Market Account
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Ratesheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. Interest begins to accrue on the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1,000.00 to open this account. You may make six (6) transfers 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, or similar order, made by the depositor and payable to third parties.

Account Fees: none

Statement Savings Account
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded and will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $50.00 to open this account. You may make six (6) transfers from your account each four (4) weeks or similar period, if by preauthorized or automatic transfer, or instruction with no 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.

Account Fees: A Monthly Minimum Balance of $100.00 must be maintained to avoid the Monthly Maintenance Fee of $1.00. These fees are waived for minors under 18 years.

Christmas Club Savings Club Account
Bonus - If you make 48 consecutive and timely weekly deposits of the same amount to this account, then we will make the 49th and 50th deposit of the same amount for you. (You choose the amount of the deposit, within any limits we may set.)

Transaction Limitations: You may not make any withdrawals from your account prior to the

maturity date.

Time Deposit Accounts

Certificates of Deposit

91 Days and 182 Days Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 91 days up to 182 days, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded at maturity and will be credited to the account at maturity.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 91 days to 182 days, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 30 days interest on the amount withdrawn for a Time Deposit with a term of at least 32 days up to and including one year. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

12 Month Certificate of Deposit Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months, with the term selected at account opening. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited tothe account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 12 months up to 24 months, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 30 days interest on the amount withdrawn for a Time Deposit with a term of at least 32 days up to and including one year; for a Time Deposit with a term of more than one year, 90 days interest on the amount withdrawn. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

15 Months up to 36 Months Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 15 months up to 36 months, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 15 months up to 36 months, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 90 days interest on the amount withdrawn for a Time Deposit with a term of more than one year. The annual percentage yield assumes interest will remain on deposit until maturity. This account will automatically renew. You will have ten calendar days after the

maturity date to withdraw funds without penalty.

IRAs

IRA - 12 Months up to 24 Months Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months up to 24 months, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may make additional deposits during the ten day grace period after maturity. Your deposit may not be withdrawn prior to the maturity date in part or in full without the consent of the Bank.

Time Account Information: Your account will mature in 12 months up to 24 months, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 90 days interest on the principal withdrawn in addition to any accrued, uncredited interest. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

IRA - 24 Months up to 36 Months Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months up to 36 months, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may make additional deposits during the ten day grace period after maturity. Your deposit may not be withdrawn prior to the maturity date in part or in full without the consent of the Bank.

Time Account Information: Your account will mature in 24 months up to 36 months, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 90 days interest on the principal withdrawn in addition to any accrued, uncredited interest. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

IRA - 36 Months or More Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 months or more, with the term selected at account opening. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account. You may make additional deposits during the ten day grace period after maturity. Your deposit may not be withdrawn prior to the maturity date in part or in full without the consent of the Bank.

Time Account Information: Your account will mature in 36 months or more, with the term selected at account opening. If you withdraw any of the principal before the maturity date we may impose a penalty of 90 days interest on the principal withdrawn in addition to any accrued, uncredited interest. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.

IRA- 18 Month Variable Rate Certificate of Deposit
Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield are included in the Ratesheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Your deposit may not be withdrawn prior to the maturity date in part or in full without the consent of the Bank.

Time Account Information: Your account will mature in 18 months. If you withdraw any of the principal before the maturity date we may impose a penalty of 90 days interest on the principal withdrawn in addition to any accrued, uncredited interest. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. This account will automatically renew. You will have ten calendar days after the maturity date to withdraw funds without penalty.