LIMITED MONEY MARKET ACCOUNT (L.M.M.A.)

• Minimum to open $1,000.00
• Interest bearing
• Compounded monthly using the average daily balance
• $1,000.00 minimum daily balance requirement to avoid $10.00 monthly service charge
• Receive image check copies with monthly statement
• 24 hr Telephone Banking with Call First

SAVINGS ACCOUNT

• Minimum to open $100.00
• Interest bearing
• Compounded quarterly using the average daily balance
• Must maintain $100.00 average daily balance to obtain the stated APY

CERTIFICATES OF DEPOSIT

• $500.00 minimum deposit
• Earn competitive interest
• No monthly service charge
• Variety of terms available
• Interest can be compounded, paid by check, or deposited to an account

CD TERMS

• 3 Months
• 6 Months
• 12 Months
• 24 Months
• 36 Months
• 48 Months
• 60 Months

When you purchase a CD, your rate is fixed until the Certificate matures. When your CD matures, it will automatically renew for the same period of time at the rate in effect at renewal unless you instruct us to do otherwise. You have 10 days after the CD renewal date to redeem your CD to avoid penalty. If the CD is redeemed more than 10 days after the automatic renewal, a full penalty will be assessed regardless of the interest earned.

Disclaimer: If you close your account before interest is credited, you WILL NOT receive the accrued interest.