CHRISTMAS SAVINGS PASSBOOK            

Transaction limitations : You may make unlimited deposits into your account. You may make withdrawals  from your account before maturity, subject to the early withdrawal penalty.                                                                                   
Time Requirements - Your account will mature October  31st.   
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - the penalty we may impose is $5.00
Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal by not making further deposits into this account.                                           

MONEY MARKET ACCOUNT                                                                      

Rate Information - Your interest rate and annual percentage yield may change.                        
Frequency of rate changes -  We may change the interest rate on your account at any time.   
Determination of rate - At our discretion, we may change the interest rate on your account.       
Compounding and crediting frequency - Interest will be compounded every month. Interest  will be credited to your account monthly.                                                                    
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.   
Minimum balance to open the account - You must deposit $2,500.00 to open this account.             
Minimum balance to avoid imposition of fees - A service charge of $15.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.              
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.     
Daily balance computation method -  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.    
Accrual of interest on deposits - Interest begins to accrue on the business day you deposit non-cash items 
(for  example, checks ).                                                                  
Transaction limitations : Transfers from a Money Market Deposit account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check draft, debit card, or similar order to third parties.               
Fees:  A per debit fee of $15.00 will be charged for each transaction in excess of the above limitations.

NOW ACCOUNT**                                                                                                                           

Rate information - Your interest rate and annual percentage yield may change.                          
Frequency of rate changes - We may change the interest rate on your account at any time.      
Determination of rate - At our discretion, we may change the interest rate on your account.          
Compounding and crediting frequency - Interest will be compounded monthly. Interest  will be credited to your account monthly.                                                                                                                                                                                                
Effect of closing an account -  if you close your account before interest is credited, you will not receive the accrued interest.                                                                                                                 
Minimum balance to open an account - You must deposit $1,000.00 to open this account.             
Minimum balance to avoid imposition of fees - A service charge of $15.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. 
Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed percentage yield.  
Daily balance computation method – 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.   
Accrual of interest on non-cash deposits – Interest begins to accrue on the business day you deposit non-cash items (for example, checks).           
Fees:                                                                                                                              
A per debit fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will not apply if you maintain the $1,000.00 balance.