TRUTH-IN-SAVINGS DISCLOSURE
REGULAR CHECKING ACCOUNT Minimum balance to avoid imposition of fees - A service charge fee of $3.00 will be imposed every monthly statement cycle if the balance in the account falls below $200.00 any day of the cycle.

PAY AS YOU GO CHECKING ACCOUNT Fees: A per item fee of $.15 will be charged for each check paid.

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 every month.
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 avoid imposition of fees- A service charge fee of $5.00 will be imposed every monthly statement cycle if the balance in the account falls below $700.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed- You must maintain a minimum average daily balance of $700.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Average daily balance computation method- We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of Interest on noncash deposits- Interest begins to accrue on the business day you deposit noncash items (for example, checks).

SUPER 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 every month.
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 avoid imposition of fees - A service charge fee of $5.00 will be imposed every monthly statement cycle if the balance in the account falls below $700.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum average daily balance of $700.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Average daily balance computation method - We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of Interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

TIERED CHECKING 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 every month.
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 avoid imposition of fees - A service charge fee of $5.00 will be imposed every monthly statement cycle if the balance in the account falls below $700.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum average daily balance of $700.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Average daily balance computation method- We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of Interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

PASSBOOK 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 every quarter.
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.
Average daily balance computation method - We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

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 every quarter.
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.
Average daily balance computation method - We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

VARIABLE RATE IRA 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 every quarter.
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.
Average daily balance computation method - We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Withdrawal penalties - Withdrawals may be subject to a penalty under Federal law regarding IRA accounts.

CLUB ACCOUNTS Rate information - The interest rate on your account is click for current rates with an annual percentage yield of click for current rates. You will be paid this rate until first maturity.
Compounding frequency - Interest will be compounded at maturity.
Crediting frequency - Interest will be credited to your account at maturity.
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 the account - You must deposit DEPENDS ON INDIVIDUAL ACCOUNT to open this account.
Minimium balance to obtain the annual percentage yield disclosed - You must maintain a minimum average daily balance of DEPENDS ON INDIVIDUAL ACCOUNT to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is DEPENDS ON INDIVIDUAL ACCOUNT.
Average daily balance computation method. We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is DEPENDS ON INDIVIDUAL ACCOUNT.
Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (or example, checks).
Transaction limitations: You may make unlimited deposits into your account. You may not make withdrawals of principal from your account before maturity. You cannot withdraw interest from your account before maturity.
Time requirements - Your account will mature DEPENDS ON INDIVIDUAL ACCOUNT.
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity).
The penalty we may impose will be the greater of:

7 days interest on the amount withdrawn subject to penalty, if the withdrawal is made within the first six days after the deposit.

All 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 this account is part of an IRA or other tax qualified plan.
Non-automatically renewable time account - This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.