THIS DISCLOSURE IS ONLY FOR PASSBOOK SAVINGS ACCOUNTS.

This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular.

We reserve the right to at any time require not less than 7 days notice in writing before any withdrawal from an interest bearing account.

FIXED RATE
The interest rate for your account is 1.50% with an annual percentage yield of 1.51%. The interest rate and annual percentage yield may change daily.

MINIMUM BALANCE REQUIREMENTS
To open the account. You must deposit at least $15.00 to open this account.

COMPOUNDING AND CREDITING
Frequency - Interest will be compounded quarterly.  Interest will be credited annually to your account.

Effect of closing an account - If you close your account before interest is credited, you will receive the accrued interest.

BALANCE COMPUTATION METHOD
Average Daily Balance Method. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balances 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.

The period we use is a statement cycle.

ACCURAL OF INTEREST ON NONCASH DEPOSITS
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

* FOR DISCLOSURES TO ADDITIONAL ACCOUNTS CALL OR COME BY THE BANK, WE'LL BE GLAD TO GIVE YOU THOSE SPECIFIC DISCLOSURES.

THIS DISCLOSURE IS ONLY FOR PASSBOOK SAVINGS ACCOUNTS.

You will receive a statment on this account at least quarterly. There will be a $25 per item overdraft charge. You are limited to six withdrawals per statement cycle - any additional withdrawals will cost .50 each.
If you close your account before December 31st - you will receive your accrued
   interest if more than $1.00. If less than $1.00 - it will be dropped.
There will be a $15.00 closing fee if the account is closed within 90 days of opening
   the account.
Dormant account fee - $5.00 per quarter after three years with no activity.
3:00 p.m. is the cut-off time - any deposit received after 3:00 p.m. will be posted
   the following business day.
ACH returned item charge - $3.75.
Interest will not accrue on uncollected funds.
Member F.D.I.C.
Handling legal process (levy, etc.) $25.00.
Cashiers check and certified check charge - $3.00.
Incoming wire transfer fee - $10.00; Outgoing wire transfer fee - $20.00.
Stop payment request - $15.00.
Yearly lock box rental fee - $15.00 to $48.00.
Travelers checks - $2.00 per $100.00
$1.00 fee for transferring money by phone.
Uncollected/overdraft charge - 18% per annum.
Accrued interest of less than $1.00 at scheduled posting date will not be credited
   to your account.
Accounts receiving a recurring direct deposit will be required to maintain a
   minimum balance of $15.00.

MAINTENANCE FEE TIERS THAT MAY AFFECT THIS ACCOUNT