Personal Checking

Regular Checking

• Minimum Balance to avoid balance fee: $500.00
• $5.00 monthly minimum balance fee if the average daily balance* drops below $500 in statement period.
• No maintenance fee or fee per check will be assessed if the average daily balance* of the account is greater than or equal to $500.
• Write up to 20 checks per statement period.

Super NOW Account

• Minimum Balance to avoid balance fee: $2,500.00
• $8.00 statement period minimum balance fee if the daily average balance drops below $2,500 for any day of the statement period.

Money Market Account

• Minimum Balance to avoid balance fee: $2,500.00
• $10.00 statement period minimum balance fee if the daily average balance drops below $2,500 for any day of the statement period.
• Up to six (6) withdrawals allowed per month. $2.00 fee for each subsequent withdrawal.

* The average daily balance is calculated by adding the principal balance of the account for each day of the statement period and dividing that figure by the number of days in the statement period.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.