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PERSONAL SAVINGS
ACCOUNT COMPARISON Money Market Tiered HiYield
Money Market
Savings
Monthly Maintenance Fee Free with $2,500 average balance Free with $10,000 average balance $10
Minimum Opening Deposit $100 $10,000 $100
Average Balance Required to Waive Maintenance Fee $2,500 average balance waives $15 monthly maint. fee $10,000 average balance waives $25 monthly maint. fee $250
Check Writing? Yes, 3 checks per statement cycle at no charge1 Yes 3 checks per statement cycle at no charge1 No
Telephone or Preauthorized Transfers Yes, limited to 3 per statement cycle are permitted (6 if not checks have been written) Yes, limited to 3 per statement cycle are permitted (6 if not checks have been written) No
Annual Percentage Yield See Current Interest Rates2  See Current Interest Rates2  See Current Interest
Rates
3


1. If more than three (3) checks are presented per statement cycle, a charge of $10.00 per check (for check four and beyond)  will be imposed. If excessive check writing continues, the law requires that the Bank close the account or convert your account to a regular checking account.

2. Interest is earned on a 365 day basis and is computed on the average daily balance of the account for the interest period and is credited monthly. The interest rate on the account is reviewed and set periodically by the bank based upon market conditions and is subject to change from time to time. No interest will be paid on accounts closed before or having a zero balance at the end of the interest period. Interest begins to accrue from the date of first deposit.

3. Interest on a Savings Account is earned on a 365 day basis and is computed on the average daily balance of the account for the interest period and is credited quarterly. The interest rate on the account is reviewed and set periodically by the bank based upon market conditions and is subject to change from time to time. No interest will be paid on accounts closed before or having a zero balance at the end of the interest period. Interest begins to accrue from the date of first deposit.
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