Designed for Customers who      • Want a traditional passbook account for watching their savings grow   Standard Features      • Open an account with as little as $100      • Statements are sent on a calendar quarter      • Compounded daily collected balance method is used to calculate interest        to be credited on last day of calendar quarter      • Avoid service charge of $3 with a daily minimum collected balance of $500         during the quarter   Limitations      • Federal regulations limit total transactions to no more than six pre-authorized        withdrawals, automatic transfers, and telephone transfers per month. If more        than six transactions are made during the month, a charge of $10 per        transaction over the limit will be assessed

  

Business Checking	Interest Checking	Business Analysis Checking
Designed for Customers who      • Have low activity and         minimal currency and coin        volume   Standard Features      • Open an account of only        $100      • Unlimited check writing      • No charge for deposits        and checks written               • Canceled checks are         enclosed with your monthly        statements      • Avoid service charge of         $10 with a minimum daily         collected balance of $4000      • If activity becomes high,        the account may, with prior        notice, be converted to an         Business Analysis         Checking Account	Designed for Customers who      • Want to earn interest on        their checking account with        unlimited check writing   Standard Features      • Open an account of only        $100      • Unlimited check writing      • Canceled checks are         enclosed with your monthly        statements      • Avoid service charge of          $10 with a minimum daily         collected balance of $4000      • Simple daily collected        balance method is used to        calculate interest to be         credited on last day of         statement cycle      • This account is ONLY        available to sole pro-        prietorships	Designed for Customers who      • Have a high volume of         checks and who regularly        use more of our services   Standard Features      • Open an account of only        $100      • Unlimited check writing      • Earnings allowance may        offset total service charges        for the month depending        on the average collected        balance and earning allo-        wance rate      • Canceled checks are         enclosed with your monthly        statements      • $10 plus charges for actual        services used according to        our "Miscellaneous Fees         and "Charges" brochure.        Charges are reduced by        any earnings allowance        based upon the net funds        available

Designed for Customers who      • Want to place surplus funds in a higher yielding interest bearing account       Standard Features      • Allow businesses to earn an attractive interest rate on deposits, yet have the        flexibility of limited check writing       • Canceled checks are enclosed with your monthly statement      • Avoid service charge of $10 with a daily collected balance of $2500       • Bank designed checks printed with your name and address at no charge      • Simple daily collected balance method is used to calculate interest to be        credited on last day of statement cycle   Limitations      • Federal regulations limit total transactions to no more than six pre-authorized        withdrawals, automatic transfers, and telephone transfers per statement cycle.         Of the six, no more than three may be checks or drafts. Checks paid over limit,        three per statement cycle, will be charged $10 per check

Designed for Customers who      • Want to place a specified amount of money on deposit for a definite amount        of time at a guaranteed rate   Standard Features      • Open a CD account with as little as $1000      • Terms can range from seven days to two years      • CDs are insured by the FDIC up to the maximum allowed by law      • Penalties may apply for early withdrawal

Designed for Customers who      • Want to eliminate the need for checks to be transported to the bank   Standard Features      • Extend deadlines for same day posting of deposits to 6:00PM      • Reduce transportation time and processing costs