Minimum balance to open the account-

• You must deposit $100.00 to open this account.

Minimum balance to maintain account-

• There is no minimum balance required to maintain this account.

Fees-

• Maintenance Fee                                     $7.50
• Check and Debits*                                        .15
• Deposits and Credits*                                  .15
• Deposited Transit Items*                           .10
• Earnings Credit*                   91 Day T-Bill Rate
  (monthly average)

* Per item charges on transactions during a statement cycle.

**An earnings credit is calculated on the average daily balance and is credited against, but cannot exceed, the calculated service charges for that period.