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REGULAR SAVINGS ACCOUNT
| Minimum Opening Deposit | $100.00 |
| Average Minimum Balance to avoid service charge | $300.00 |
| OR Minimum Balance to avoid service charge | $100.00 |
| Below Minimum Balance fee | $2.00 |
| Depositors under age 18 will not be imposed a minimum balance fee |
MONEY MARKET ACCOUNT
| Minimum Opening Balance | $1,500.00 |
| Average Monthly Minimum Balance | $1,500.00 |
| Below Average Monthly Minimum Balance Fee | $8.00 |
| Tiered Rate Structure | See Deposit Rates |
| Maximum Debits per month | 6 |
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