Personal Terms and Conditions Statement REGULAR CHECKING ACCOUNT The minimum balance required to open the account is $100.00A maintenance fee of $4.00 will be imposed each statement period unless you maintain either a minimum daily balance of $500.00 or a minimum average daily balance of $1,000.00 for the monthly statement period. The average daily balance is calculated by adding the principal in the account for each day of the statement period and dividing that figure by the number of days in the period. A per debit fee of $.35 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if either the minimum daily balance requirement or the average daily balance requirement is not met during the statement period. The maintenance fee and total per debit fees combined will not exceed $15.00 for any statement period. See the Personal General Fee Schedule for other general activity fees that apply to all pesonal accounts FLAT FEE CHECKING ACCOUNT The minimum balance required to open this account is $100.00A maintenance fee of $7.95 will be imposed each statement period. The maintenance fees entitles you to unlimited transactions each month. See the Personal General Fee Schedule for other general activity fees that apply to all personal accounts. COMMUNITY CHECKING ACCOUNT The minimum balance required to open this account is $100.00A maintenance fee of $5.00 will be charged each statement period.A per debit fee of $.50 will be charged for each debit transaction in excess of 15 during a single statement period.See the Personal General Fee Schedule for other general activity fees that apply to all personal accounts. SENIORS NOW ACCOUNT For individuals 55 years of age and older. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Interest will be compounded and credited to your account each month. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). NOW ACCOUNT The minimum balance required to open the account is $100.00A maintenance fee of $6.00 will be imposed every statement period unless you maintain either a minimum daily balance of $750.00 or a minimum average daily balance of $1,500.00 for the monthly statement 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 imposition of fees will reduce the earnings on this account. A per debit fee of $.35 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if either the minimum daily balance or average daily balance requirements are not met during the statement period. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Interest will be compounded and credited to your account each month. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later that the business day we receive credit for the deposit of noncash items (for example, checks).See the Personal General Fee Schedule for other general activity fees that apply to all personal accounts. PERSONAL SAVINGS ACCOUNT The minimum balance required to open this account is $100.00A maintenance fee of $6.00 will be imposed each quarterly statement period if the balance of your account falls below $200.00 on any day during the statement period. This fee will be waived for account holders 18 years of age or less. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Interest will be compounded and credited to your account each month. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).Over-the-counter withdrawals or other transfers from a Personal Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to three per quarterly statement period.A per item fee of $2.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during the quarterly statement period.See the Personal General Fee Schedule for other general activity fees that apply to al personal accounts. PERSONAL MONEY MARKET ACCOUNT The minimum balance required to open this account is $100.00A maintenance fee of $6.00 will be imposed every statement period unless you maintain either a minimum daily balance of $1,000.00 or a minimum average daily balance of $2,500.00 for the monthly statement 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 imposition of fees will reduce the earnings on this account. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. Interest will be compounded and credited to your account each month. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).Transfers from a Personal Money Market account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per statement period with no more than three by check, draft, debit card or similar order to third parties. A per debit fee of $5.00 will be charged for each check paid to third parties in excess of three during a statement period. If you repeatedly exceed three checks per monthly statement period, we may close your account. See the Personal General Fee Schedule for other general activity fees that apply to all personal accounts.