Personal Banking

Checking Accounts

First Checking Account

Minimum balance to open - $100.00.

Fees & Charges - The following fees and charges apply to this account:

• Monthly service charge: There is a monthly service charge for this account for insurance coverage; the amount being determined by the plan selected by the customer.

Regular Checking

Minimum balance to open: $100.00

NOW Checking

Minimum balance to open - $1,500.00.

Minimum balance to avoid a fee - If your balance falls below $1,500.00 on any day in the month, your account will be subject to a $7.00 Service Charge for that month.

Fees & Charges - The following fees and charges apply to this account:

• Excess debit transaction: $0.15 will be charged for each debit transaction in excess of 30 during a month.

NOW Special Checking

Minimum balance to open - $25,000.00. You must maintain a minimum average daily balance of $25,000.00 in your account to obtain disclosed annual percentage yield.

Minimum balance to avoid a fee - $10.00 will be imposed every statement cycle if the balance in the account falls below $25,000.00 any day of the cycle.

Fees & Charges - The following fees and charges apply to this account:

• Excess debit transaction: $0.15 will be charged for each debit transaction in excess of 30 during a month.

Heritage Club Account

Minimum balance to open - $100.00.