CHECKING ACCOUNTS

Free Checking

• $100.00 minimum balance to open
• No monthly service charge, no per check charge, no minimum balance
• Check safekeeping, $.50/Item-cancelled checks (first 2 free), with unlimited checking.
• First order of 200 checks Free (Bank Stock Type Only)

Regular Checking

• $100.00 minimum balance to open
• Monthly service charge of $3.00 plus $.30 for each check issued and a $.20 credit for each $100 average balance (no service charge for customers 65 years and older if the bank has been notified).

First Preferred Account

• $100.00 minimum balance to open
• Monthly service charge of $9.00, No minimum balance required, unlimited check writing, personalized checks and a free 3x5 size safe deposit box. You will be able to receive 4 cashier's checks a month at no charge, free notary service and free fax service.

You may receive interest on your account by keeping a minimum monthly balance of $1,000.00 in your account. There is no additional service charge if a minimum balance of $1,000.00 is maintained. There will be an additional $5.00 fee for violation the minimum balance. Interest will be forfeited on daily balances below $1,000.00.

First Preferred Gold

• For customers 65 years of age or older.
• You will receive the same benefits as the regular First Preferred, however, you will only have a monthly service charge of $4.50.

Super Now Checking

• (Individuals, non-profit organizations and sole proprietorships only)
• Minimum balance of $1,000.00 - $5.00 monthly service charge and interest forfeited for the days the balance is below $1000.00.
• Interest rate is variable and subject to change at bank's discretion.

Money Market Account

• Minimum balance of $1,000.00 - $5.00 monthly service charge and interest forfeited for the days balance is below $1,000.00
• Six transactions per statement cycle, only three of these six can be to 3^rd parties.
• Withdrawal transactions over six are $10.00 per transaction.
• Interest rate is variable and subject to change at the bank's discretion.

Business Checking

• All accounts are place on an account analysis according to volume of activity and monthly balances maintained.

SAVINGS ACCOUNTS

Regular Savings

• $2.00 Service Charge per month for balances less than $100.00
• Two withdrawals per month, $1.00 charge for additional withdrawals (Senior citizens and minors are exempt from $2.00 monthly service charge).
• Interest rate is variable and subject to change at bank's discretion

ETA Account

• $3.00 Monthly Service Charge
• No minimum balance to open or maintain account
• Four free withdrawals &/or balance inquiries per month
• $1.00 fee for each additional withdrawal or inquiry over 4 each per month
• Monthly statement
• No checks will be issued on this account

ALL CHECKING AND SAVINGS ACCOUNTS ARE SUBJECT TO A $10.00 CHARGE EXCLUDING ETA ACCOUNTS, IF CLOSED WITHIN 30 DAYS OF OPENING.