Savings Accounts

REGULAR SAVINGS

Minimum Opening Deposit: $100.00

Minimum balance required to avoid service charges: none

Interest Rate: Call for Rates

Annual Percentage Yield (APY): Call for Rates

Interest Computation Method: Daily Balance*

Interest will be compounded: Semi-Annually

Interest Credited: Semi-Annually

Statement Period: Quarterly

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

GOLDEN SAVINGS

Minimum Opening Deposit: $500.00

Minimum balance required to avoid service charges: none

Interest Rate: Call for Rates

Annual Percentage Yield (APY): Call for Rates

Interest Computation Method: Daily Balance*

Interest will be compounded: Quarterly

Interest Credited: Quarterly

Statement Period: Quarterly

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

CHRISTMAS CLUB ACCOUNTS

Christmas Club accounts are opened in denominations of $5.00, $10.00 and $20.00. Payments are due weekly on all Christmas Club accounts. Once a total of 49 payments are made to the account by the customer, the final payment will be made by the bank as a bonus. Accounts opened after March 1 will not receive the final payment by the bank. Payments that are in excess of one month delinquent will not be accepted without officer approval. Christmas Club checks for the balance plus any bonuses, if applicable, will be issued and mailed to the customer by November 1st of each year. Partial withdrawals are not allowed from this type of account.

** For more information refer to account disclosure