Here is a description of the consumer deposit accounts we offer. Please notice the panel of common fees and transaction limitations. We do not print a monthly statement on deposit accounts if there is no account activity. REWARDS CHECKING Variable Rate Account:  The interest rate for this account is ___% with an annual percentage yield of ___%.  This interest rate and annual percentage yield may change. Determination of Rate:  At our discretion, we may change the interest rate on your account. Frequency of Rate Changes:  We may change the interest rate on your account every month. Compounding and Crediting:  We compound interest monthly and credit interest monthly (at the end of each statement cycle). Effect of Closing an Account:  If you close your account within 90 days of the opening date, you will be charged a fee of $20.00. Minimum Balance Information: The minimum balance to open this account is $20,000 or an aggregate current balance of this account and qualified statement savings accounts equaling $20,000. Balance for Interest:  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the collected balance in the account each day.  You must maintain a minimum balance of $20,000 in the account (or an aggregate) each day to obtain the disclosed annual percentage yield.  No minimum balance is required to earn interest. Accrual of Interest on Non-cash Deposits:  Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Maintenance Fee: If the low collected balance during any one day in a statement cycle falls below $20,000, or the aggregate current balance of this account and qualified statement savings account falls below $20,000 on a statement cycle day, we will charge you a fee of $20.00 for that cycle.  Your daily balance on each day is the ending balance of the account from the previous day, plus deposits and minus withdrawals made that business day. Limitations:  Only statement savings accounts will be qualified accounts for aggregation for computation of service charges on this account.  The primary or secondary account holder of this account must be a primary or secondary account holder of the statement savings account to be a qualified account. INTEREST CHECKING Tiered Rate Account: If your daily collected balance is $2,500 or more, the interest rate paid on each day's collected balance will be ___% with an annual percentage rate yield of ___%.  If your daily collected balance falls below $2,500, the interest rate paid on each day's collected balance will be ___% with the annual percentage yield of ___%.  This interest rate and annual percentage yield may change. Determination of Rate:  At our discretion, we may change the interest rate on your account. Frequency of Rate Changes:  We may change the interest rate on your account every month. Compounding and Crediting Interest:  We compound interest monthly and credit interest earned monthly (at the end of each statement cycle). Minimum Balance Information:  The minimum balance required to open this account is $1,000. Balance for Interest:  We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. No minimum balance is required to earn interest. Maintenance Fee:  If your daily balance during any one day in a statement cycle falls below $1,000, we will charge you a fee of $7.50 for that cycle.  Your daily balance on each day is the ending balance of the account from the previous day plus deposits and minus withdrawals made that business day. Accrual of Interest on Non-cash Deposits:  Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). REGULAR CHECKING Minimum Balance Information: The minimum balance required to open this account is $100. Maintenance Fee: You will not be charged a maintenance fee on this account. Your monthly statement will be mailed to you without images. If you elect to have your check images sent to you with your statement, the charge will be $3.00 per month. STUDENT REWARDS CHECKING To Open the Account:  The minimum balance required to open this account is $50.00. Maintenance Fee:  You will not be charged a maintenance fee on this account. Limitations:  You must be 23 years old or younger to qualify for this account and be a three-quarter time to full-time student.  Bank policy states a parent or guardian will be a joint account holder with any person under the age of 18.  This account will automatically be converted to a regular checking account on your 24th birthday.  This account requires enrollment in First Net Banking (Internet Banking). Incentives:  Free first order of Education Ed checks is offered with this account.  A free debit card will be offered to the account holder.  After six (6) months of favorable active usage, and three (3) proofs of account reconcilements, increase in daily dollar limits will be considered subject to credit approval. Effect of Closing an Account:  If you close your account within 120 days of the opening date, you will be charged a fee of $25.00. INVESTORS MONEY MARKET SAVINGS ACCOUNTS Tiered Rate Account: Interest is paid on each day's collected balance as follows: Collected Balance Interest Rate Annual Percentage Yield $0 - $9,999 * * $10,000 - $24,999 * * $25,000 - $49,999 * * $50,000 - $99,999 * * $100,000 or more * * These interest rates and annual percentage yields may change. Determination of Rate:  At our discretion, we may change the interest rate on your account. Frequency of Rate Changes:  We may change the interest rate on your account every month. Compounding and Crediting:  Interest will be compounded monthly. Interest will be credited to your account monthly. Effect of Closing an Account:  If you close your account within 90 days of the opening date, you will be charged a fee of $5.00. Minimum Balance Requirements:  The minimum balance required to open this account is $10,000. Balance for Interest:  We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.  Your daily balance on each day is the ending balance of the account from the previous day plus deposits and minus withdrawals made that business day. Maintenance Fee:  If your daily balance during any one day in a statement cycle falls below $1,000, we will charge you a fee of $5.00 for that cycle.  Your daily balance on each day is the ending balance of the account from the previous day plus deposits and minus withdrawals made that business day. Accrual of Interest on Non-cash Deposits:  Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Transaction Limits:  Transfers to another account or to third parties by preauthorized, automatic, internet, or telephone transfers are limited to six per month or statement cycle. 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STATEMENT SAVINGS ACCOUNTS Variable Rate Account:  The interest rate for this account is ___% with an annual percentage yield of ___%.  This interest rate and annual percentage yield may change. Determination of Rate:  At our discretion, we may change the interest rate on your account. Frequency of Rate Changes:  We may change the interest rate on your account every quarter. Compounding and Crediting: Interest will be compounded quarterly.  Interest will be credited to your account quarterly. Effect of Closing an Account:  If you close your account within 90 days of the opening date, you will be charged a fee of $5.00. Minimum Balance Requirements:  Except for minor children and nonprofit organizations and clubs, the minimum balance required to open this account is $100.  No minimum balance is required for students and minor children to earn interest on this account. Balance for Interest:  Except for students and minor children, a minimum daily balance of $100 is required to earn interest on this account.  If your daily balance falls below $100 on any day, you will not earn interest on that day.  No minimum daily balance is required for students and minor children to earn interest on this account. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.  Your daily balance on each day is the ending balance of the account from the previous day, plus deposits and minus withdrawals made that business day.   You must maintain a minimum balance of $100 in the account each day to obtain the disclosed annual percentage yield. Maintenance Fee:  If your quarterly average balance falls below $25.00 in a calendar quarter, we will charge you a fee of $5.00 for that calendar quarter. Your quarterly average balance is your accumulated daily balance divided by the number of days in the calendar quarter.  Your daily balance on each day is the ending balance of the account from the previous day, plus deposits and minus withdrawals made that business day. Accrual of Interest on Non-cash deposits:  Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Transaction Limits:  Transfer to another account or to third parties by preauthorized, automatic, internet, or telephone transfers are limited to six (6) per month or statement cycle. SILVER DOLLAR SAVERS CLUB SAVINGS ACCOUNTS Variable Rate Account:  The interest rate for this account is ___% with an annual percentage yield of ___%.  This interest rate and annual percentage yield may change. Determination of Rate:  At our discretion, we may change the interest rate on your account. Frequency of Rate Changes:  We may change the interest rate on your account every quarter. Compounding and Crediting:  Interest will be compounded quarterly.  Interest will be credited to your account quarterly. Effect of Closing an Account:  If you close your account within 90 days of the opening date, you will be charged a fee of $5.00. Minimum Balance Information:  The minimum balance required to open this account is $10.00. Balance for Interest:  No minimum daily balance is required to earn interest on this account.  We use the daily balance method to calculate interest on your account.  This method applies a daily periodic rate to the principal in the account each day. Your daily balance on each day is the ending balance of the account from the previous day, plus deposits and minus withdrawals made that business day. Accrual of Interest on Non-cash Deposits :  Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Limitations:  You must be 17 years old or younger to qualify for this account and be a three-quarter time to full-time student.  Bank policy states a parent or guardian will be a joint account holder with any person under the age of 18.  This account will automatically be converted to a regular savings account on your 18th birthday.  Fees:  The following fees may be assessed against your account: Your account will be charged a $5.00 withdrawal fee for each withdrawal over one in each calendar quarter. Transaction Limitations:  Bank policy states a parent or guardian's signature will be obtained on any withdrawal from your Silver Dollar Savers Club account.