Business Savings

Account Fees: A base fee of $1.00 a month will be charged for every month the balance falls below $25.00 any day of the cycle. If you close your account within 180 days of opening, you will be charged $5.00. This account is allowed one withdrawal per month. Every withdrawal over the limit will be charged $1.00.

Limitations: You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmition) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Interest Rate Information: This account is an interest bearing account. The interest rate and yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit cash or noncash items (ex. Checks). Interest will be compounded quarterly and will be credited to the account quarterly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in a leap year) for each day in the year. You must maintain a minimum balance of $50.00 each day to obtain the disclosed annual percentage yield.

Non Personal Money Market Account (Investment/Savings)

Transaction Limitations: You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmition) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: A base charge of $10.00, plus $0.50 will be imposed every statement cycle if on any day of the cycle the balance drops below $1000.00.

Interest Rate Information: This account is an interest bearing account. The interest rate and yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit cash or noncash items (ex. Checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in a leap year) for each day in the year. You must maintain a minimum balance of $1000.00 each day to obtain the disclosed annual percentage yield.

Business Certificate of Deposit

Limitations: If the CD is 12 months or less you are required to make a minimum deposit of $2000.00. If the CD is 18 months or more a minimum deposit of $500.00 is required. All CD's are different, so please call and talk to a Customer Service Representative about specific details regarding this type of savings account.