Truth in Savings

Information about your checking, savings and money market accounts

GREEN CHECKING

Eligibility Requirements:
Green Checking requires customers to utilize eStatements for account information.
Visa Debits cards are available on this account with no annual fee and the card is surcharge free at foreign ATM’s up to $15.00 per month. If the customer discontinues or does not sign up for eStatements during the first 45 days after account opening then applicable card fees as shown below will apply on the 46th day.
$6.00 Annual fee for Visa Debit Card plus applicable surcharges from ATM’s.
$5.00 Monthly Service Fee

Minimum Balance Requirements: You must deposit $50.00 to open this account.

Fees and Charges: There are no monthly service fees on this account providing eStatements are utilized. Dormant fees may apply after one year of inactivity. An overdraft fee of $33.00 will be charged per item for covering overdrafts created by check, in-person withdrawals, ATM withdrawal or other electronic means. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Processing Order: All credit transactions are posted first. Debits, or withdrawals, from your account will be processed as follows: electronic items such as ATM and Preauthorized transactions then checks. The items are processed in serial number order when applicable within each category.

Transaction Limitations: No transaction limitations apply to this account.

Checking Account with Sub Accounts: This provision only applies to your account if it is a transaction account, such as a checking account or a NOW account. Your account consists of two subaccounts: A checking subaccount and a savings subaccount. The checking subaccount is your transaction account. We may use either a savings account or money market account as your savings subaccount.

If the amount of money in your checking subaccount exceeds a certain threshold amount, as determined in our sole discretion, we will transfer the amount above the threshold into your savings subaccount. We will make this transfer at the beginning of each monthly statement period. If on any day the daily beginning balance in your checking subaccount is less that the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period.

PREMIER CHECKING

Tiered Fixed Rate Information:
This is a tiered rate account with two rate tiers. To obtain current rate information please call us at the telephone numbers posted above. We may change the interest rate on your account at any time. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. This rate will be paid for each day until a rate change is made by the financial institution.

Compounding and Crediting: Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Minimum Balance Requirements: You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

Dormant/Inactive Account Information: A dormant account fee of $7.00 per month will be charged after 12 months of inactivity.

Processing Order: All credit transactions are posted first. Debits, or withdrawals, from your account will be processed as follows: electronic items such as ATM and Preauthorized transactions then checks. The items are processed in check number order when applicable within each category.

Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.

Accrual 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).

Fees and Charges: The following fees and charges may be assessed against your account: $5.00 monthly service fee. This fee may be reduced with the usage of additional bank services. A direct deposit will reduce the monthly fee $2.00 and two automatic withdrawals (debits) will reduce the fee $2.00 more. Monthly eStatements will reduce the fee $1.00. Utilization of all three of these services will reduce the fee to zero.

Minimum Balance to avoid imposition of fee: A monthly service fee of $5.00 will be assessed if bank services are not utilized (see above).

• OR an average collected balance of $1,500.00 is not maintained during the statement cycle.
• OR a $5,000 relationship balance is not maintained during the statement cycle. Relationship balances include checking, savings, certificates of deposits, IRAs or loan accounts. Account holder must be primary, joint owner or borrower on these accounts

An overdraft fee of $33.00 will be charged per item for covering overdrafts created by check, in-person withdrawals, ATM withdrawal or other electronic means. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.

Transaction Limitations: No transaction limitations apply to this account.

Checking Account with Sub Accounts: This provision only applies to your account if it is a transaction account, such as a checking account or a NOW account. Your account consists of two subaccounts: A checking subaccount and a savings subaccount. The checking subaccount is your transaction account. We may use either a savings account or money market account as your savings subaccount.

If the amount of money in your checking subaccount exceeds a certain threshold amount, as determined in our sole discretion, we will transfer the amount above the threshold into your savings subaccount. We will make this transfer at the beginning of each monthly statement period. If on any day the daily beginning balance in your checking subaccount is less that the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period.

The transfers between the subaccounts will occur only on our books and will not affect the balance, interests, fees, or features of your account. Other than as described above, the Deposit Account Agreement controls your account as if there were no subaccounts.

CHILD / STUDENT SAVINGS

Eligibility Requirements: Child savings accounts are for savers up to age 13. Student savings is for young adults age 13 to 22. After that time the account will change to a statement savings and will be governed by its rules.

Fixed Rate Information: To obtain current rate information please call us at the telephone numbers posted above. We may change the interest rate on your account at any time. You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

Compounding and Crediting: Interest will be compounded daily and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.

Minimum Balance Requirements: You must deposit $5.00 to open this account. You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.

Accrual 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).

Fees and Charges: There is no monthly service fee. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for fees and charges that may be assessed against your account.

Transaction Limitations: Withdrawals (excluding ATM) are limited to 3 per statement cycle, without a fee; withdrawals (excluding ATM) exceeding 3 per statement cycle are assessed a service fee of $3.00 per withdrawal. You may make six transfers from your account for each four week or similar period, if by preauthorized, or automatic transfer, telephone agreement, order, instruction, check, draft, debit card or similar order. An excess transaction fee of $3.00 is assessed on each transaction exceeding these limits.

STATEMENT SAVINGS

Fixed Rate Information: To obtain current rate information please call us at the telephone numbers posted above. We may change the interest rate on your account at any time. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

Compounding and Crediting: Interest will be compounded daily and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.

Minimum Balance Requirements: You must deposit $50.00 to open this account. A minimum balance fee of $5.00 will be imposed every month if the average daily balance for the month falls below $200.00. 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. You must maintain a minimum daily balance of $200.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.

Accrual 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).

Fees and Charges: A minimum balance fee of $5.00 will be imposed every month if the average daily balance for the month falls below $200.00. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for fees and charges that may be assessed against your account.

Transaction Limitations: Withdrawals (excluding ATM) are limited to 3 per statement cycle, without a fee; withdrawals (excluding ATM) exceeding 3 per statement cycle are assessed a service fee of $3.00 per withdrawal. You may make six transfers from your account for each four week or similar period, if by preauthorized, or automatic transfer, telephone agreement, order, instruction, check, draft, debit card or similar order. An excess transaction fee of $3.00 is assessed on each transaction exceeding these limits.

FREEDOM MONEY MARKET

Tiered Fixed Rate Information:
This is a tiered rate account with four rate tiers. To obtain current rate information please call us at the telephone numbers posted above. We may change the interest rate on your account at any time. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. This rate will be paid for each day until a rate change is made by the financial institution.

Compounding and Crediting: Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Minimum Balance Requirements: You must deposit $50.00 to open this account. A minimum balance fee of $5.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $500.00. 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. You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.

Accrual 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).

Fees and Charges: If an average daily balance of $500.00 is maintained there is no service fee. 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. If your average daily balance is less than $500.00 per statement cycle, there is a minimum balance fee of $5.00. Dormant fees may apply after one year of inactivity. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.

Transaction Limitations: You may only make six (6) transfers from your account each statement cycle; these include preauthorized or automatic transfer; telephone (including data transmission) agreement, order, instruction; Internet banking order or instruction, check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. A $5.00 excess transaction fee is imposed for each withdrawal exceeding these limitations. Transfers and withdrawals made in person, by messenger, by mail, via online banking, or at an ATM are unlimited.

Checking Account with Sub Accounts: This provision only applies to your account if it is a transaction account, such as a checking account or a NOW account. Your account consists of two subaccounts: A checking subaccount and a savings subaccount. The checking subaccount is your transaction account. We may use either a savings account or money market account as your savings subaccount.

If the amount of money in your checking subaccount exceeds a certain threshold amount, as determined in our sole discretion, we will transfer the amount above the threshold into your savings subaccount. We will make this transfer at the beginning of each monthly statement period. If on any day the daily beginning balance in your checking subaccount is less that the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period.

DIAMOND MONEY MARKET

Tiered Fixed Rate Information:
This is a tiered rate account with four rate tiers. To obtain current rate information please call us at the telephone numbers posted above. We may change the interest rate on your account at any time. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. This rate will be paid for each day until a rate change is made by the financial institution.

Compounding and Crediting: Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Minimum Balance Requirements: You must deposit $1,000.00 to open this account. A minimum balance fee of $10.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,000.00. 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.

You must maintain a minimum daily balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement.

Balance Computation Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment in determining the balance on which interest is paid.

Accrual 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).

Fees and Charges: An overdraft fee of $33.00 will be charged per item for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. A dormant account fee of $7.00 per month may apply after one year of inactivity. See the Fees and Charges schedule for other fees and charges that may be assessed against your account.

Transaction Limitations: You may only make six (6) transfers from your account each statement cycle; these include preauthorized or automatic transfer; telephone (including data transmission) agreement, order, instruction; Internet banking order or instruction, check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. A $10.00 excess transaction fee is imposed for each withdrawal exceeding these limitations. Transfers and withdrawals made in person, by messenger, by mail, via online banking, or at an ATM are unlimited.

Processing Order: All credit transactions are posted first. Debits, or withdrawals, from your account will be processed as follows: electronic items such as ATM and Preauthorized transactions then checks. The items are processed in serial number order when applicable within each category.

Checking Account with Sub Accounts: This provision only applies to your account if it is a transaction account, such as a checking account or a NOW account. Your account consists of two subaccounts: A checking subaccount and a savings subaccount. The checking subaccount is your transaction account. We may use either a savings account or money market account as your savings subaccount.

If the amount of money in your checking subaccount exceeds a certain threshold amount, as determined in our sole discretion, we will transfer the amount above the threshold into your savings subaccount. We will make this transfer at the beginning of each monthly statement period. If on any day the daily beginning balance in your checking subaccount is less that the total of the new debits (such as checks and other withdrawals), then money will be automatically transferred from your savings subaccount back to your checking subaccount. The amount transferred back to the checking subaccount will be the total of the debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the checking subaccount occur during any statement period, then the entire balance of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period.