SUPER NOW ACCOUNT

An interest bearing checking account which requires a larger minimum balance than the NOW account but still permits unlimited check writing privileges. Interest will be paid at higher, competitive rates on balances of $2,500.00 or more. Balances between $1,000.00-$2,500.00 will receive the same rate of interest as our NOW Account.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Interest Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks), if received by 3:00 p.m. Interest will be compounded monthly. Interest will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum daily balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account.

Account Fees: To avoid a monthly service charge of $5.00 you must maintain an average daily balance of at least $1,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

The following fees apply: