Checking Accounts

PERSONAL CHECKING

Minimum Opening Balance: $100.00

Statement Period: Monthly

Balancing of Statement: no charge

Deposited Check Return Charge $2.00 per item

Telephone Transfer $2.00 per Transfer

Telephone Inquiry $1.00 per Inquiry

Cost of check printing varies depending on the style of checks ordered.

Accounts are available for senior citizens (65 and over) and students (students must be enrolled full time).

** For more information refer to account disclosure

GUARANTY CLUB CHECKING

Minimum Opening Balance: $100.00

Statement Period: Monthly

Balancing of Statement: no charge

Deposited Check Return Charge: $2.00 per item

Telephone Transfer $2.00 per Transfer

Telephone Inquiry $1.00 per Inquiry

Cost of check printing varies depending on the style of checks ordered.

There is a $10.00 charge to close the account.

** For more information refer to account disclosure

NOW ACCOUNT

Minimum Opening Deposit: $1,000.00

Interest Rate: Call for Rates

Annual Percentage Yield (APY): Call for Rates

Minimum required to obtain APY as listed: $1,000.00

Interest Computation Method: Daily Balance*

Interest will be compounded: Monthly

Interest Credited: Monthly

Statement Period: Monthly

Deposited Check Return Charge: $2.00 per item

Telephone Transfer $2.00 per Transfer

Telephone Inquiry $1.00 per Inquiry

On non-cash items interest will begin to accrue on the next business day. If you close your account before interest is credited, you will not receive the accrued interest.

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Cost of check printing varies depending on the style of checks ordered.

No corporations are allowed to have this type of account.

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

** For more information refer to account disclosure

MONEY MARKET ACCOUNT

Minimum Opening Deposit: $2,500.00

Interest Rate: Call for Rates

Annual Percentage Yield (APY): Call for Rates

Interest Computation Method: Daily Balance*

Interest will be compounded: Monthly

Interest Credited: Monthly

Statement Period: Monthly

Transaction Limitation-Six third party transactions per month. Included in the six transactions are debit card and ATM transactions. Transactions by mail, messenger, or in person are unlimited.

Electronic withdrawals initiated by computer terminal or telephone are considered third party transactions and are subject to the six-per-month limit. Transfers initiated by telephone from the account to another account (except to make a payment for a loan to the bank) or to a third party are also subject to the six-per-month limit. If unauthorized transactions occur, a $2.00 charge per transaction will be charged and no interest will be paid for the month.

On non-cash items interest will begin to accrue on the next business day. If you close your account before interest is credited, you will not receive the accrued interest.

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Cost of check printing varies depending on the style of checks ordered.

** For more information refer to account disclosure