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SAVINGS ACCOUNT
Minimum balance to open account	You must deposit $50.00 to open this account.
Rate Information	Your interest rate and annual percentage yield may change.
Frequency of rate changes	We may change the interest rate on your account at any time.
Determination of rate	At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency	Interest will be compounded every quarter. Interest will be credited to your account every quarter.
Effect of closing an account	If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method	We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits	Interest begins to accrue on the business day your deposit non-cash item (checks).
Transaction Limitations	Transfers from a savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month.
Fees	A per item fee of $.50 will be charged for each debit transaction (withdrawal or payment out of this account) in excess of three during a quarter.

We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation d. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.