| Minimum opening deposit - $100 |
| Monthly Maintenance Fee - $2.00 if the average daily balance in the
account falls below $100 |
| Per Item Fee - A per item fee of $1.00 will be charged for each
withdrawal in excess of two during a month. |
| Interest rate and annual percentage yield may change. |
| Frequency and Determination of Rate Changes - At our discretion the rate
may be changed at any time. |
| Interest will be compounded and credited to your account monthly. |
| We use the average daily balance method to calculate the interest on your
account. |
| Statement Cycle - Your statement will cycle quarterly. If your
account has any electronic transactions, a statement will be mailed for that month. |
| Internet Access and CommunityPhone 24 Hour Access to account information at no additional cost. |
| Bill Paying Services available at additional cost. |
| Minimum opening deposit - $10 |
| Monthly Maintenance Fee - $2.00 if the average daily balance in the
account falls below $100 |
| Per Item Fee - A per item fee of $.50 will be charged for each withdrawal
in excess of two during a month. |
| Interest rate and annual percentage yield may change. |
| Frequency and Determination of Rate Changes - At our discretion the rate
may be changed at any time. |
| Interest will be compounded and credited to your account monthly. |
| We use the average daily balance method to calculate the interest on your
account. |
| Statement Cycle - Your statement will cycle quarterly. If your
account has any electronic transactions, a statement will be mailed for that month. |
| CommunityPhone 24 Hour Access to account information at no additional
cost. |
| Internet Access and Bill Paying Services available at
additional cost. |
| $5 contribution from the bank on new accounts and a free "CommunityKid"
T-Shirt when balance reaches $100 |
