DEPOSIT PRODUCTS*

Personal Checking
Minimum Balance Requirement:
An opening deposit of $1,000 is required. An average collected balance of $1,000 is required to avoid a service charge.

Personal Basic Savings
Minimum Balance Requirement:
An opening deposit of $1,000 is required. An average collected balance of $1,000 is required to avoid a service charge.

Compounding and Crediting:
Interest will accrue daily and will be compounded and credited to your account quarterly. Closing the account prior to interest payment will result in forfeiture of accrued interest.

Transaction Limitations:
You may make up to six (6) pre-authorized, automatic or telephone transfers from your account each month or statement cycle of at least four weeks. No more than three (3) of these six (6) transfers may be made by a check (if applicable), debit card, bill payment debit, other pre-authorized debit, or similar order made payable to a third party. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. For additional information, please review Federal Reserve Regulation D Transaction Limitations.

Personal Savings for Minors
Minimum Balance Requirement:
An opening deposit of $100 is required with no quarterly service charge.

Compounding and Crediting:
Interest will accrue daily and will be compounded and credited to your account quarterly. Closing the account prior to interest payment will result in forfeiture of accrued interest.

Transaction Limitations:
You may make up to six (6) pre-authorized, automatic or telephone transfers from your account each month or statement cycle of at least four weeks. No more than three (3) of these six (6) transfers may be made by a check (if applicable), debit card, bill payment debit, other pre-authorized debit, or similar order made payable to a third party. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. For additional information, please review Federal Reserve Regulation D Transaction Limitations.

Personal Money Market
Minimum Balance Requirement:
An opening deposit of $1,000 is required. An average collected balance of $5,000 is required to avoid a service charge.

Compounding and Crediting:
Interest will accrue daily and will be compounded and credited to your account monthly. Closing the account prior to interest payment will result in forfeiture of accrued interest.

Transaction Limitations:
You may make up to six (6) pre-authorized, automatic or telephone transfers from your account each month or statement cycle of at least four weeks. No more than three (3) of these six (6) transfers may be made by a check (if applicable), debit card, bill payment debit, other pre-authorized debit, or similar order made payable to a third party. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. For additional information, please review Federal Reserve Regulation D Transaction Limitations.

LOAN PRODUCTS**

Home Equity Loans and Lines of Credit for owner occupied residential properties.

Installment Loans

Overdraft Protection Lines

Secured and Unsecured Credit Lines for personal purposes.

Construction Loans for single-family residential properties.

Residential Mortgage Loans for owner-occupied residential properties, second homes and 1-4 unit investment properties.

SERVICES

• Personal ATM / Debit Card**
• Online Banking
• Credit Cards**
• Telephone Banking