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*)
Money Market Account	$3,000	$3,000	$0.00	Minimum balance falls below $3,000 - Service Charge of $8.50. Transactions are limited to 6 a month with no more than 3 by check.	Interest Bearing Interest Rate 0.75% APY 0.75%
Statement Savings	$50	$50	$0.00	Minimum balance falls below $50 - Service Charge of $3.00 per month. Transfers limited to 6 per quarter. Each withdrawal in excess of 6 per quarter is charged.	Interest Bearing Interest Rate 1.00% APY 1.00%

*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.

Money Market Account

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

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