NOW ACCOUNT DISCLOSURE OF ACCOUNT TERMS

The minimum deposit required to open this account is $1,000.00.

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. You may inquire as to the current rate on our NOW account by calling or .

Interest begins to accrue no later than the business day we receive credit for the deposits of noncash items (for example, checks).

The interest will be compounded and credited to your account on the last day of the statement period (monthly). The annual percentage yield assumes interest remains on deposit. A withdrawal of interest will reduce earnings.

We use the average daily collected balance method to calculate interest on your account. This method applies a periodic rate to the average daily collected balance in the account for the period. The average daily collected balance is calculated by adding the collected balance in the account for each day in the period and dividing that figure by the number of days in the period.

SERVICE CHARGES

No monthly fee will be charged if you maintain a minimum daily balance of $1,000.00 or more. If your daily balance drops below $1,000.00 anytime during the statement period, you will be charged $5.00.

OTHER CHARGES THAT MAY APPLY

Return Items: $20.00 per check or electronic withdrawal drawn against insufficient funds.

Overdraft Service: $20.00 per check, per in-person withdrawal, ATM withdrawal or any other electronic withdrawal drawn against insufficient funds.

Stop Payment Charge: $ 20.00 per check

Account Monitoring: $25.00 per month

Money Order Fee: $ 2.00

Cashiers Check Fee: $ 4.00

Incoming Wire:Free

Outgoing Wire Fee: $15.00

International Wire Fee: $60.00

Collection Item Fee: $ 20.00 (or actual cost)

Canadian Check: $15.00

Special Statement Request: $ 2.00

Personalized Checks: Price will vary depending on style

Research Fee: $35.00 per hour

Notary Public: Free

Garnishments or Levies: $25.00

ATM or Debit Card Replacement: $5.00

Cash Management:$5.00 per transfer

We appreciate your business and it is our intention to give you the best possible service. If you have any questions concerning your account, please contact any of our staff.