## Truth-in-Savings Disclosure

### Regular Checking Account

- Minimum balance to open the account - You must deposit $100.00 to open this account.
- Minimum balance to avoid imposition of fees - A service charge fee of $6.00 will be imposed every month if the balance in the account falls below $500.00 any day of the month.
- The requirement to open this account and the service charge fee will be waived for customers over 65 years of age.

### Christmas Club Account

- Minimum balance to open this account - You must deposit $5.00 to open this account.
- Transaction limitations - If any withdrawals are made from this account before October then this account may be closed.
- Bonus - If you make 49 consecutive and timely weekly deposits of the same amount to this account, then we will make the 50th deposit of that amount for your. (You choose the amount of the deposit, within any limits we may set.)

### Statement Savings Account

- Rate information - Your interest rate and annual percentage yield may change.
- Frequency of rate changes - We may change the interest rate on your account at any time.
- Determination of rate - At our discretion, we may change the interest rate on your account.
- Compounding and crediting frequency - Interest will be compounded every quarter. Interest will be credited to your account every quarter.
- Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
- Minimum balance to open this account - You must deposit $100.00 to open this account.
- Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.
- Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in your account each day.
- Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
- Transaction limitations - Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

### NOW Account

- Rate information - Your interest rate and annual percentage yield may change.
- Frequency of rate changes - We may change the interest rate on your account at any time.
- Determination of rate - At our discretion, we may change the interest rate on your account.
- Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
- Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
- Minimum balance to open this account - You must deposit $1500.00 to open this account.
- Minimum balance to avoid imposition of fees - A service charge fee of $10.00 will be imposed every statement cycle if the balance falls below $1500.00 any day of the cycle.
- Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1500.00 in the account each day to obtain the disclosed annual percentage yield.
- Daily balance computation method - 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.
- Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

### Money Market Account

- Rate information - Your interest rate and annual percentage yield may change.
- Frequency of rate changes - We may change the interest rate on your account at any time.
- Determination of rate - At our discretion, we may change the interest rate on your account.
- Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.
- Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
- Minimum balance to open this account - You must deposit $2500.00 to open this account.
- Minimum balance to avoid imposition of fees - A service charge fee of $7.50 will be imposed every statement cycle if the balance in the account falls below $2500.00 any day of the cycle.
- Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2500.00 in the account each day to obtain the disclosed annual percentage yield.
- Daily balance computation method - 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.
- Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
- Transaction limitations - Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no transfers by check, draft, debit card, or similar order to third parties.

### Certificates of Deposit

- Compounding frequency - Interest will be compounded semiannually.
- Crediting frequency - Interest will be credited to your account semiannually.
- Daily balance computation method - 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.
- Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
- Transaction limitations - You may not make deposits into your account before maturity. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You cannot withdraw interest from your account before maturity.
- Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -
- If your account has an original maturity of one year of less:

The fee we may impose will equal one months interest on the amount withdrawn subject to penalty.

- If your account has an original maturity of more than one year:
The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.

- In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.

- If your account has an original maturity of one year of less:
*Automatically renewable time account*

This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will continue to accrue after final maturity up to ten calendar days. The interest rate will be the last rate in effect immediately before maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

You will have ten calendar days after maturity to withdraw the funds without a penalty.*Non-automatically renewable time account*

This account will not automatically renew at maturity. If you do not renew the account, interest will continue to accrue after maturity for up to ten calendar days. The interest rate will be the last rate in effect immediately before maturity.