MAXIMUM CHECKING

• The following requirements must to be met on a monthly basis to
obtain the disclosed annual percentage yield:

1. One (1) direct deposit

2. Ten (10) debit card point of sale transactions

3. Online Banking

4. Statements received via internet

5. Disclosed annual percentage yield applies to collected balances
up to $20,000.

6. No required minimum balance

• No minimum balance required to open the account.

• Your interest rate and annual percentage yield may change.
At our discretion, we may change the interest rate on your account
on the first day of each month.

• Interest will be compounded monthly and credited to your account
on the last business day of each month.  If you close your account
before the interest is credited, you will not receive the accrued interest.

• Interest begins to accrue on the business day you deposit non-cash
items (for example, checks).

• We use the average daily balance method to calculate interest on
your account.  This method applies a periodic rate to the average
daily balance in the account for the period.  The average daily
balance is calculated by adding the principal in the account for
each day of the period and dividing that figure by the number
of days in the period.

• If all of the account requirements listed above are not met,
your account will earn the disclosed NOW account annual
percentage yield.

• For accounts with any portion of the average daily balance
over $20,000, the portion over $20,000 will earn the disclosed
NOW account annual percentage yield.

• Fees may reduce earnings.