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Regular Checking Account, Peoples Gold/Peoples Gold XL Account Now Account, Super Now Accounts, Money Market Account

Regular Checking Account

Minimum balance to open the account- $50.00.

Minimum balance requirement-A service charge fee of $4.00 will be imposed every statement cycle if the balance in the account falls below $750.00 any day of the cycle. This fee will not be imposed if an average daily balance of $1500.00 is maintained during the statement cycle.

Fees:

A per item 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 to students, customers age 62 or older, or non-profit organizations.

Peoples Gold/Peoples Gold XL Account

Rate information- The interest rate and annual percentage yield may change weekly or at our discretion.

Compounding and crediting frequency Interest will be compounded and credited to the account monthly.

Effect of closing an account If the account is closed before interest is credited, interest will not be paid.

Minimum balance to open the account $50.00.

Minimum balance to obtain the annual percentage yield disclosed $250.00.

Daily balance computation method We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal.

Accrual of the interest on the 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).

Fees:

A service charge of $8.00 (Gold Single), $10.00 (gold Family), or $6.00 (Gold XL-50 and older) will be charged each statement cycle depending on the amount insurance coverage obtained.

Now Account

Rate information The interest rate and annual percentage yield may change weekly or at our discretion.

Compounding and crediting frequency Interest will be compounded and credited to the account monthly.

Effect of closing an account If the account is closed before interest is credited, interest will not be paid.

Minimum balance to open the account $1000.00.

Minimum balance requirement A service charge fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $1000.00. This fee will not be imposed if an average daily balance of $1500.00 is maintained during the statement cycle.

Minimum balance to obtain the annual percentage yield disclosed - $1000.00

Accrual of the interest on the 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).

Fees:

A per item fee of $.20 will be charged for each debit transaction in excess of 20 during a statement cycle. This fee will not apply if the minimum balance requirements are met.

Super Now Accounts

Rate information The interest rate and annual percentage yield may change weekly or at our discretion.

Compounding and crediting frequency Interest will be compounded and credited to the account monthly.

Effect of closing an account If the account is closed before interest is credited, interest will not be paid.

Minimum balance to open the account $1500.00

Minimum balance requirement A service charge fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $1500.00. This fee will not be imposed if an average daily balance of $6000 is maintained during the statement cycle.

Minimum balance to obtain the annual percentage yield disclosed - $1500.00

Daily balance computation method We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal.

Accrual of the interest on the 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).

Fees:

A per item fee of $.20 will be charged for each debit transaction in excess of 20 during a statement cycle. This fee will not apply if the minimum balance requirements are met.

Money Market Account

Rate information The interest rate and annual percentage yield may change weekly or at our discretion.

Compounding and crediting frequency Interest will be compounded and credited to the account monthly.

Effect of closing an account If the account is closed before interest is credited, interest will not be paid.

Minimum balance to open the account $2500.00.

Minimum balance requirement A service charge fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $2500.00. This fee will not be imposed if an average daily balance of $10000.00 is maintained during the statement cycle.

Minimum balance to obtain the annual percentage yield disclosed - $2500.00

Daily balance computation method We use the daily balance method to calculate the interest. This method applies a daily periodic rate to the principal.

Accrual of the interest on the 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 Limitations:

Transfers from a money market account to another account or to third parties by check, draft, preauthorized, automatic, telephone transfer or similar order are limited to six per statement cycle.