By maintaining a daily balance of $100.00 or an average daily balance of $500.00 per statement cycle, the monthly fee of $3.00 will be waived. A maximum of 12 checks may clear the account each cycle at no charge. If more than the maximum number of checks clear during the statement cycle you will be accessed a $.50 excess withdrawal fee for each check over 12. This account requires a $100.00 minimum opeing deposit.

By maintaining a daily balance of $500.00 or an average daily balance of $1000,00 per statement cycle, the Monthly Fee of $7.50 will be waived for that statement. This account requires a $100.00 minimum opeing deposit.

This account is an interest bearing account.

By maintaining a daily balance of $1,000.00 or an average daily balance of $2,000.00 per statement cycle, the Monthly Fee of $10.00 will be waived for that statement. If you maintain the daily or average daily balance requirements, the excess withdrawal fee for more than 25 checks will be waived. The excess withdrawal fee is $.15 per check if the balance requirements are not met. This account requires a $100.00 minimum opeing deposit.

This is an interest bearing checking account.

By maintaining a combined daily balance of $5,000.00 in deposits and/or current loan balances, the Monthly Fee of $10.00 will be waived for that statement. Loans include retail, home equity, and in-house home loans. Deposits include CDs, IRAs, regular savings, personal checking and MMIAs. This account requires a $100.00 minimum opeing deposit.

An interest bearing checking account with unlimited check writing offered to customers 55 years and above.

For those customers age 55 to 62, by maintaining a balance of $100.00 or an average daily balance of $500.00 per statement cycle, the Monthly Fee of $7.00 will be waived for that statement. For those customers age 62 or above, with a monthly direct deposit, no Monthly Fee will be charged. This account requires a $100.00 minimum opeing deposit.

No monthly maintenance fee. You can write a maximum of 20 checks per statement cycle at not charge. If you write more than the maximum during the statement cycle, you will be assessed a $.25 per item Monthly Fee for each check over 20. Student checking accounts require a $50.00 opening deposit.

By maintaining a daily balance of $100.00 per month, the Monthly Fee of $3.00 will be waived for that month. You may withdrawal/transfer three (3) times per month at no charge. If you withdrawal/transfer more than three (3) times per month you will be assessed a $1.00 excess withdrawal fee for each withdrawal/transfer in excess of three (3) per month. This account requires a $100.00 minimum opeing deposit. This account requires a $100.00 minimum opeing deposit.

By maintaining a daily balance of $2,500.00, the Monthly Fee of $10.00 will be waived for that month. You may widthdrawal/transfer six (6) times per month you will be assessed a $2.00 excess withdrawal fee for each widthdrawal/transfer in excess of six (6) per month. This account requires a $100.00 minimum opeing deposit.

Limitations: No money is allowed to be withdrawn prior to maturity date without closing the account and all interest forfeited. You may change your Christmas Club Savings to a Regular Savings, however no interest will be paid on the closed Christmas Club account prior to maturity date. This account requires a $100.00 minimum opeing deposit.