TERMS

1. See the current Truth-In-Savings Disclosure that is provided when you open your account, and upon request.
2. Fees could reduce the earnings on the account. Refer to the current Fee Schedule that is provided when you open your account. For Money Market Accounts free withdrawals are limited to 6 per month.
3. If you close your account before dividends are credited, you will not receive accrued dividends.
4. Substantial penalty for early withdrawal.
5. Consult your tax advisor.
6. Annual IRA "Plan" maintenance fee is $10.00 per year.
7. $5.00 minimum opening deposit for members age 15 years and under.