May 13, 2008
 
Personal Checking Personal Savings & Retirement Plans Personal Loans & Overdraft Protection ATM & Debit Card Services Reorder Personal Checks 1031 Exchanges Additional Services
INNOVATIVE PRODUCTS PUT YOUR MONEY TO WORK FOR YOU
We offer a variety of savings and retirement plans, all of which earn competitive interest rates. By opening a savings or retirement account with us you can feel confident that your money is working for you.

PERSONAL SAVINGS
Earn a steady rate of return on this traditional savings account. Features include:
Monthly interest paid on collected balances
Low minimum opening balance
Unlimited ATM usage when you also have a personal checking account

PREMIER MONEY MARKET
 Monthly premium money market rates paid on collected balances.
Unlimited ATM usage.

CERTIFICATE OF DEPOSIT
A safe, interest-earning option for customers who do not need instant access to their funds. Benefits include:
Guaranteed rate for term
Flexible terms available
A choice of interest payments: monthly, quarterly or at maturity.

INDIVIDUAL RETIREMENT ACCOUNTS
Saving for retirement has never been so easy. Enjoy the benefits of tax-deferred savings with competitive rates of interest.

PERSONAL SAVINGS
Minimum Opening Deposit
$100.00
Monthly Fee
Minimum Daily Balance of $300, No monthly charge. Otherwise, $3.00 per month.

Withdrawal per item over three per month, $7.00

Transfers per item over stated limits $15

Overdraft Transfer - $15.00
Rate Info
Interest rates and Annual percentage yields are subject to daily change.
Method of Computation & Payment of Interest
 Daily balance method is used to calculate the interest on your account and interest is paid on the statement cycle date. Accounts closed during a statement cycle shall earn no interest for that period.
Limitations
 Limit of 6 ACH, automatic or telephone transfers per month, then $15.00 per transfer. Unlimited ATM.

PREMIER MONEY MARKET-PERSONAL
Minimum Opening Deposit
$25,000
Monthly Fee
Average Monthly Balance of $37,500 or Minimum Daily Balance of $15,000, no monthly charge, Otherwise $20.00 Per Month.

Excessive withdrawals, over stated limit in cycle, $15.00 per withdrawal.
Rate Info
Interest rates and Annual percentage yields are subject to daily change. Earns interest on daily balances of $10,000 or more.
Method of Computation & Payment of Interest
 Daily balance method is used to calculate the interest on your account and interest is paid on the statement cycle date. Accounts closed during a statement cycle shall earn no interest for that period.
Limitations
 Not more than 6 preauthorized, automatic or telephone transfers may be made during a statement cycle. Up to 3 withdrawals by check or draft may be substituted for up to 3 transfers. Otherwise, $15.00 per item. Unlimited ATM withdrawals.

CERTIFICATE OF DEPOSIT
Minimum Opening Deposit
$2,500
Monthly Fee
N/A
Rate Info
Current interest rates, annual percentage yields and terms are quoted daily. Interest rate is fixed at the time the account is opened until maturity.
Method of Computation & Payment of Interest
 Daily balance method is used to calculate the interest on your account and interest is paid monthly, quarterly, or at maturity according to depositor's preference.
Limitations
 Seven-day minimum term. Certificates are all written with a multiple maturity (automatically renewable). Withdrawals made during the grace period (up to seven calendar days including the renewal date) do not earn interest between the renewal date and date of withdrawal. Penalty for early withdrawal.

INDIVIDUAL RETIREMENT ACCOUNTS
Minimum Opening Deposit
$1,000
Annual Fee
$25.00
Rate Info
Current interest rates and annual percentage yields are quoted daily. Interest rate and annual percentage yield are subject to daily change.
Method of Computation & Payment of Interest
 Interest is compounded daily and payable at calendar quarter and at maturity. At maturity this account will automatically be renewed.
Limitations
 Withdrawals made during the grace period (up to seven calendar days including the renewal date) do not earn interest between the renewal date and date of withdrawal. Penalty for early withdrawal. Check with your tax advisor.