Account Name	Opening Balance	Min. Balance to Avoid Service Charge	Min. Balance to Obtain Annual Percentage Yield (APY)	Service Charge	Interest Rate/ Annual Percentage Yield (APY*)
Basic Checking	$100	$600	Interest Not Available	Minimum Balance Below $500 - $8.00 Service Charge Minimum Balance $500-$600 - $6.00 Service Charge Minimum Balance Above $600 - No Service Charge	None
Scholar Checking	$50	None	Interest Not Available	$3.00 Monthly Maintenance Charge $.50 per check charge after 10 free monthly checks	None
Direct Checking	$50	None	Interest Not Available	No Monthly Maintenance Charge. ATM/Debit Card Charges will still apply.	None
Balance Checking	$100	None	Interest Not Available	If combined deposit balances (DDA, Savings, CD's, or Loans) over $10,000 - No Service Charge. If combined balances fall below $10,000 - $8.00 Charge	None
Classic 55 Account	$100	$955	$0.00	If minimum balance falls below $955 - $9.55 Service Charge Minimum balance above $955 - No service charge	Interest Bearing Interest Rate 0.50% APY 0.50%
Now Account	$1,000	$1,000	$0.00	Minimum balance falls below $1,000 - Service Charge of $8.50	Interest Bearing Interest Rate 0.50% APY 0.50%
Commercial Checking	$500	None	Interest Not Available	Monthly Maintenance Fee - $9.50. Transaction in excess of 125 per month - $.20 per transaction. Earnings credit of .25% on each $1,000 average balance to offset charges.	None
Patriot Account	$1,000	None	$0.00	No Service Charge. Must be Active duty, Veteran or Immediate family member of those currently serving or having served in any branch of U.S. Military.	Interest Rates Varies Weekly 1.00% below 90 Day Treasury Bill Rate
Super T Account	$7,500	$7,500	$0.00	Minimum balance falls below $7,500 - Service Charge of $10.00	Interest Rates Varies Weekly .75% below 90 DayTreasury Bill Rate

*Annual Percentage Yield is accurate as of 03/01/2007. This is a variable rate account. Rates may change at any time without prior notice. Fees could reduce earnings on the account. The minimum opening balance varies for each type of account.

Basic Checking

• Unlimited Check Writing
• ATM/VISA Check Card
  **$300 daily withdrawal limit

Scholar Checking

• 10 free checks per month
• ATM/VISA Check Card **
  **$100 daily withdrawal limit

Direct Checking

• Unlimited Check Writing

Balance Checking

• Unlimited Check Writing
• ATM/VISA Check Card
  (w/approval)
  **$300 daily withdrawal limit

Classic 55 Account

• Free Bank Checks; 25% discount on other styles
• Free Traveler's Checks, Cashier's Checks, Money Orders
• Free Notary Services
• Free In-Bank transfers
• Free ATM/VISA Check Card
  (with Approval)
  **$300 daily withdrawal limit

Now Account

• Unlimited Check Writing
• ATM/VISA Check Card (w/approval)
  **$300 daily withdrawal limit

Commercial Checking

• 125 Free Transactions (deposits& checks)

PATRIOT ACCOUNT

• Unlimited Check Writing
• ATM/VISA Check Card (w/approval)
• First Patriotic check order free.
  **$300 daily withdrawal limit

Super T Account

• ATM/VISA Check Card (w/approval)
  **$300 daily withdrawal limit
• Interest Rate - 90 day Treas. Bill less .75%

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