SAVINGS ACCOUNTS
A minimum initial deposit of $100.00 is required to open this account, and a balance of $200.00 must be maintained during the monthly statement cycle in order to avoid the monthly service charge of $3.00. Interest earned at the stated rate is accrued daily and paid monthly. Savings interest rates are subject to change. Some transfers and withdrawals are allowed in unlimited numbers, but you may not make more than six pre- authorized or automatic transfers per monthly statement cycle. There is a $5.00 charge for each excessive item after six in the same month.

CUB CLUB SAVINGS
Cub Club Savings accounts are available for children 13 years of age and younger. Same Terms apply as above Savings Accounts except the minimum balance to join is $25.00 join and the money service charge of $3.00 waived until age 19.

CERTIFICATES OF DEPOSIT
May be purchased for 32 days up to 60 months with interest payable monthly, quarterly, semi-annually, annually, or at maturity. Interest may be compounded. Rates are subject to change daily. Federal regulations require a substantial penalty if funds are withdrawn before the maturity date of the certificate. Rates are quoted upon request. For more information concerning Certificates of Deposit, please see one of our Customer Service Representatives.

INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)
The law provides that any individual who is under the age of 70 ½ years and has earned income may establish an IRA and make contributions. Opening an IRA is easy. All it takes is the completion of a form that gives us the necessary information relating to your IRA and provides you with specific details regarding its operation. The deposits you make to your IRA will, naturally, be subject to the provisions governing those deposits. If you decide that an IRA will be a benefit to you, please see one of our Customer Service Representatives, who will gladly assist you in making the necessary arrangements.

Each Depositor insured to at least $100,000 by the Federal Deposit Insurance Corporation. Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013.