FREE CHECKING ACCOUNT

• $100.00 Initial Deposit Required
• No Service Charge
• No Activity Fee
• No Minimum Balance Required
• No Transaction Limitations

OVERDRAFT/NSF FEES:
These account specific fees override any other similar fees disclosed elsewhere in this statement.

• Overdraft (each item paid) $30.00
• Non sufficient funds (each item): $30.00
• Non sufficient funds items returned (each item): $30.00

DORMANT ACCOUNT FEE
Free checking accounts which have no deposit or withdrawal activity for a period of six (6) months will be considered dormant. Dormant Free checking accounts will be assessed a fee of $3.00 per month. The statement cycle will then be changed to a quarterly basis

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ULTIMATE CHECKING ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change. We may change the interest rate on your account at any time. At our discretion, we may change the interest rate on your account.

No Minimum Balance Required

Compounding and Crediting Frequency - Interest will be compounded every month.
Interest will be credited to your account every month. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in your account each day.

Accrual of Interest on Noncash Deposits - Interest begins to accrue on the business day you deposit non cash items (for example, checks)

Fees:
For account holders 49 years of age or less a fee of $6.00 will be imposed monthly. For account holders of 50 and above a fee of $3.00 will be imposed monthly.

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REGULAR CHECKING ACCOUNT

Minimum balance to avoid imposition of fees - A maintenance charge fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle. This fee will be waived for account holders 62 and above, 18 and under, and non-profit organizations.

Fees:
An activity charge fee of $.10 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will not apply if you maintain a daily balance of $300.00.

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CITIZENS CLUB ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes. We may change the interest rate on your account at any time.At our discretion, we may change the interest rate on your account. Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to avoid imposition of fees - A maintenance charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle. 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.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

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CITIZENS CLUB 50 ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes. We may change the interest rate on your account at any time. At our discretion, we may change the interest rate on your account. Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to avoid imposition of fees - A maintenance charge fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle. 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.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

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SUPER NOW ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes. We may change the interest rate on your account at any time. At our discretion, we may change the interest rate on your account. Interest will be compounded every month. Interest will be credited to your account every month.

Minimum balance to avoid imposition of fees - A maintenance charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. 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.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

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MMDA ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes. We may change the interest rate on your account at any time. At our discretion, we may change the interest rate on your account. Interest will be compounded every month, interest will be credited to your account every month.

Minimum balance to avoid imposition of fees - A maintenance charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. 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.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:
Transfers from an MMDA account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.

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