Reward Checking Account

Requirements	Balance	Interest Rate	Annual Percentage Yield
$500.00 to open this account $500.00 Minimum Balance	$.01-$2,499.99	.05%	.05%
	$2,500.00 - $9,999.99	.10%	.10%
	$10,000.00 and above	.20%	.20%
$9.00 per month fee if balance falls below $500.00

Wealth Builder Account

Requirements	Balance	Interest Rate	Annual Percentage Yield
$1,000.00 to open this account $1,000.00 Minimum Balance	$ .01-24,999.99	.50%	.50%
	$25,000.00 - $49,999.99	.75%	.75%
	$50,000.00 - $99,999.99	.90%	.90%
	$100,000.00 and above	1.00%	1.00%
$10.00 per month fee if balance falls below $1,000.00. Maximum of 6 withdrawals per month other than in-person transfers. Unlimited in-person transfers, $.50 charge for each withdrawal thereafter. This does not include ATM withdrawals.

Super Saver Account

Requirements	Balance	Interest Rate	Annual Percentage Yield
$100.00 Minimum Balance	$ .01-9,999.99	.40%	.40%
	$10,000.00 - $24,999.99	.50%	.50%
	$25,000.00 - $49,999.99	.70%	.70%
	$50,000.00 - $99,999.99	.90%	.90%
	$100,000.00 and above	1.00%	1.00%
$2.00 per month fee if balance falls below $100.00. First 6 withdrawals free, $.50 charge for each withdrawal thereafter.

Individual Retirement Account

Requirements	Balance	Interest Rate	Annual Percentage Yield
No minimum balance to open or maintain	None	2.00%	2.01%

Fees could reduce earnings on accounts. Rate may change after the account is open.