Disclosures - Truth-In-Savings

EASY ACCESS CHECKING ACCOUNT
Minimum balance to avoid imposition of fees -A fee will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle. Please refer to our Schedule of Fees and Charges for additional information about fees.

FREE & EASY CHECKING ACCOUNT
This account requires a direct deposit on a monthly basis of $500.00 or more. If this requirement is not met, this account will be transferred to a Easy Access Checking account.

FREE SENIOR CHECKING ACCOUNT  (62 years of age or over)
Please refer to our Schedule of Fees and Charges for additional information about fees.

FREE FIRST CHECKING ACCOUNT (Full-Time Student to age 21)
Please refer to our Schedule of Fees and Charges for additional information about fees.

EASY ACCESS INTEREST CHECKING 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 every month.
Effect of closing an account -If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to avoid imposition of fees -A fee will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.
Daily balance computation method -We use the dally 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 noncash deposits -Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Fees:
Please refer to our Schedule of Fees and Charges for additional information about fees.

FREE FIRST SAVINGS
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 calendar quarter. Interest will be credited to your account every calendar quarter.
Effect of closing an account -If you close your account before interest is credited, you will not receive the accrued interest.
Daily balance computation method -We use the daily balance method to calculate the interest on your account This method applies a dally periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits -Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Transaction limitations:
You may not make any transfers from this account to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties.

EASY ACCESS SAVINGS
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 every month.
A service charge will be imposed every statement cycle if the balance in the account falls below $____________ any day of the calendar month.
Effect of closing an account -If you close your account before interest is credited you
will not receive the accrued interest.
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 noncash deposits -Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Transaction limitations:
Transfers from a Easy Access Savings to another account or to third parties by preauthorized automatic or telephone transfer are limited to six per calendar month with no transfers by check, draft, debit card, or similar order to third parties.

TRADITIONAL 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 -nterest will be compounded every month. Interest will be credited to your account every month.
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 fee will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the calendar month.
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 noncash deposits -Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Transaction limitations:
Transfers from a Traditional Money Market Account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to three per calendar month, any of which can be made by check, draft, or similar order to third parties.
Fees:
A $5.00 fee will be charged for each item in excess of three during a calendar month. Please refer to our Schedule of Fees and Charges for additional information about fees.

ULTIMATE MONEY MARKET ACCOUNT
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 every month.
Effect of closing and 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 $50,000.00 to open this account.
Minimum balance to avoid imposition of fees – A service charge fee of $25.00 will be imposed every statement cycle if the balance in the account falls below $50,000.00 any day of the calendar month.
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 first business day after the banking day you deposit non-cash items (for example, checks).
Transaction Limitations: Transfers from a Ultimate Money Market Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per calendar month, any of which three can be made by check, draft, or similar order to third parties. VIOLATION OF TRANSACTION LIMITATIONS MAY RESULT IN THE ACCOUNT BEING CHANGED TO A NOW ACCOUNT.
Fees: A $5.00 fee will be charged for each check, draft, or similar order item in excess of 3 during a calendar month.

CHRISTMAS CLUB 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 not be compounded. Interest will be credited to your account at maturity.
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 $1.00 to open this account.
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 noncash deposits -Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks).
Transaction limitations:
The minimum deposit we require to this account is $1.00.
If any withdrawal is made from this account before the end of the club term, then this account will be closed.

CERTIFICATE OF DEPOSIT
Rate Information -The interest rate on your account is ________% with an annual percentage yield of ________%. You will be paid this rate until first maturity.
Compounding frequency -Interest will be compounded every _________________ .
Crediting frequency -Interest will be credited to your account every __________________.
Minimum balance to open the account -You must deposit $______________ to open this account
Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $_____________ in the account each day to obtain the disclosed annual percentage yield.
Dally 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 noncash deposits -Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations:
You may not make any deposits into your account before maturity.
You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.
Time requirements -Your account will mature ____________________________ .
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity).

• If your account has an original maturity of less than one year:
• The fee we may impose will equal one month interest on the amount withdrawn subject to penalty.
   
• If your account has an original maturity of one year or more:
   
• The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan.

Withdrawal of interest prior to maturity -The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Automatically renewable time account -This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. If you prevent renewal, interest will not accrue after final maturity .

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.
You will have ten calendar days alter maturity to withdraw the funds without a penalty.

COMMON FEATURES
Please refer to our separate fee schedule for additional information about charges.
Check printing (fee depends on style of check ordered). All demand deposit accounts will receive monthly imaged statements. Check copies will be provided at request.
We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

YOUR ACCOUNT
These are the accounts you have opened or inquired about. Further details about these accounts are inside this brochure. If the figures are not filled, please see your periodic statement.


• EASY ACCESS CHECKING ACCOUNT
   
• FREE & EASY CHECKING ACCOUNT
   
• FREE SENIOR CHECKING ACCOUNT
  (62 years of age or over)
   
• FREE FIRST CHECKING ACCOUNT
  (Full- Time Student to age 21 )
   
• EASY ACCESS INTEREST CHECKING ACCOUNT
  The interest rate for your account is_______________%
  with an annual percentage yield of ________________%.
   
• FREE FIRST SAVINGS
  The interest rate for your account is _______________%
  with an annual percentage yield of _________________%.
   
• EASY ACCESS SAVINGS
  Rate Information:
  
  
  • Tier 1 -If your daily balance is $50,000.00 or more. the interest rate paid on the entire balance in your account will be ________________%
    with an annual percentage yield of ______________%.
     
  • Tier 2 -If your daily balance is more than $9,999.99, but less than $50,000.00, the interest rate paid on the entire balance in your account will be ________________% with an annual percentage yield of ______________%.
     
  • Tier 3 -If your daily balance is $9,999.99 or less, the interest rate paid on the entire balance in your account will be _______________%
    with an annual percentage yield of _____________%.
     
• TRADITIONAL MONEY MARKET ACCOUNT
  Rate Information:
  
  
  • Tier 1 -If your daily balance is $50,000.00 or more, the interest rate paid on the entire balance in your account will be _____________% with an annual percentage yield of ___________%.
     
  • Tier 2 -If your daily balance is more than $9,999.99, but less than $50,000.00, the interest rate paid on the entire balance in your account will be ________________% with an annual percentage yield of _______________%.
     
  • Tier 3- If your daily balance is more than $2,499.99, but less than $10,000.00, the interest rate paid on the entire balance in your account will be _____________% with an annual percentage yield of ________________%.
     
  • Tier 4 -If your daily balance is $2,499.99 or less, the interest rate paid on the entire balance in your account will be __________________% with an annual percentage yield of ________________%.
  
  
  
• ULTIMATE MONEY MARKET ACCOUNT
  Rate Information:
  
  
  • Tier 1 -If your daily balance is $100,000 or more, the interest rate paid on the entire balance in your account will be ___________% with an annual percentage yield of __________%.
     
  • Tier 2 -If your daily balance is more than $49,999 but less than $100,000, the interest rate paid on the entire balance in your account will be ____________% with an annual percentage yield of __________%.
    
    
  • Tier 3 -if your daily balance is $49,999 or less, the interest rate paid on the entire balance in your account will be _________% with an annual percentage yield of __________%
    
  
  
• CLUB ACCOUNT
  The interest rate for your account is _____________%
  with an annual percentage yield of _______________%;
   
• CERTIFICATE OF DEPOSIT
  Interest rates as of _______________ with subject to change.
  For more rate information call 978-546-3411.