Savings Accounts:

*Qualifications & Considerations

$5000 minimum balance to open and keep as a minimum daily balance to obtain the disclosed annual percentage yield. Monthly service charge of $10.00 if balance falls below $5,000 minimum.

Federal regulation limits third party or pre-authorized transfers (including overdraft transfers) or transfers made by telephone or personal computer to six per statement cycle, no more than three of which may be by check, draft, or check card.