This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.

REGULAR CHECKING.

Limitations: You must deposit $500 to open this account.

Account Fees: Monthly maintenance fee if $500 balance is maintained.......none Monthly maintenance fee if balance is $400.00 to $499.99......$4.00 Monthly maintenance fee if balance is $300.00 to $399.99......$5.00 Monthly maintenance fee if balance is $299.99 or less.........$6.00.