Statement Savings

• The interest rate on the account is 0.25% with an annual percentage yield (APY) of 0.25%. current as of January 13, 2006
• Minimum $100.00 initial deposit to open the account
• 4 withdrawals per month (over 4 withdrawals per month results in a $2.00 per withdrawal charge)
• 6 pre-authorized transfers per month (example:ACH debits or transfers using Dial 24)
• Unlimited ATM withdrawals and in person transfers or withdrawals

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily.Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. We use the daily balance method to calculate the interst on the account. This method applies a daily periodic rate to the principal in the account each day. The account must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield. A $3.00 fee will be assessed if the balance falls below $100.00 during the quarter. Statements mailed quarterly unless there is a Reg E transaction then it is mailed monthly.