Totally "FREE" Share Draft Account No monthly service charge No minimum balance requirements No transaction fees or per check charges Overdraft protection available ATM/VISA Debit Card available Free Home Banking / Bill Payer

Enhanced Share Draft Account No monthly service charge with a minimum Average Daily Balance of $1000 Dividends compounded and credited monthly No transaction fees or per check charges Overdraft protection available Free VISA Debit Card Overdraft Courtesy Calls Free Home Banking / Bill Payer Premiere Money Market Account Liquid access to your funds at a higher rate! Dividends earned from the day of deposit. Dividends are compounded & credited to your account monthly. Monthly Statements. 50 free checks when you open an account Free Bill-Payer/Home Banking Free 24 hrs. access to your funds through “Hotline” 24hr. audio response phone system.