Business Interest Checking

Compounding frequency — Interest will be compounded monthly.

Crediting frequency — Interest will be credited into this account monthly.

Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.

Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

Minimum balance to open — The minimum balance required to open this account is $100.00.

Minimum balance to avoid a fee — If, during any statement cycle, your average daily balance falls below $1,000.00, your account will be subject to a $7.50 Minimum Balance Fee for that statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Deposit limitations — You may make an unlimited number of deposits into your account.

Fees and Charges — The following fees and charges apply to this account:

• Per Check Fee: $.15 per item fee for each check in a statement cycle.
• Deposited Item Fee: $.06 per item fee for each deposited item in a statement cycle.
• Returned Deposited Item Fee: $3.00 charge for each returned deposited item.

Additional Terms — The following additional terms apply to this account: Business entities eligible for this account include Sole Proprietors, Government Units and Non-Profit Organizations.

Association Checking

Minimum balance to open — The minimum balance required to open this account is $100.00.

Deposit limitations — You may make an unlimited number of deposits into your account.

Fees and Charges — The following fees and charges apply to this account:

• Monthly Maintenance Fee: $2.00 per month.
• Per Check Fee: $.15 per item fee for each check in a statement cycle.
• Deposited Item Fee: $.06 per item fee for each deposited item in a statement cycle.
• Returned Deposited Item Fee: $3.00 charge for each returned deposited item.

100 Free Business Checking

Minimum balance to open — The minimum balance required to open this account is $100.00.

Minimum balance to avoid a fee — If, during any statement cycle, your average daily balance falls below $5,000.00, your account will be subject to a $9.50 Minimum Balance Fee for that statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Deposit limitations — You may make an unlimited number of deposits into your account.

Fees and Charges — The following fees and charges apply to this account:

• Per Check Fee: $0.15 per item fee for each check over 100 in a statement cycle.
• Deposited Item Fee: $.06 per item fee for each deposited item over 100 in a statement cycle.
• Returned Deposited Item Fee: $3.00 charge for each returned deposited item.

40 Free Business Checking

Minimum balance to open — The minimum balance required to open this account is $100.00.

Minimum balance to avoid a fee — If, during any statement cycle, your average daily balance falls below $2,500.00, your account will be subject to a $7.50 Minimum Balance Fee for that statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Deposit limitations — You may make an unlimited number of deposits into your account.

Fees and Charges — The following fees and charges apply to this account:

• Per Check Fee: $0.15 per item fee for each check over 40 in a statement cycle.
• Deposited Item Fee: $.06 per item fee for each deposited item over 40 in a statement cycle.
• Returned Deposited Item Fee: $3.00 charge for each returned deposited item.
  

Money Market Passbook

Compounding frequency — Interest will be compounded quarterly.

Crediting frequency — Interest will be credited into this account quarterly.

Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.

Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

Minimum balance to open — The minimum balance required to open this account is $100.00.

Minimum balance to avoid a fee — If, during any month, your average daily balance falls below $2,500.00, your account will be subject to a $7.50 Minimum Balance Fee for that month. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Deposit limitations — You may make an unlimited number of deposits into your account.

Limitations on frequency of transfers — During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three withdrawals may be made in person without incurring an excess transaction fee. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Fees and Charges — The following fees and charges apply to this account:

• Excess Transfer or Withdrawal Fee: Each transaction in excess of the limitations described in the Limitations on frequency of transfers section of this disclosure will be assessed an additional $1.00 per item charge.
  

Premium Money Market

Compounding frequency — Interest will be compounded monthly.

Crediting frequency — Interest will be credited into this account monthly.

Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.

Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

Minimum balance to open — The minimum balance required to open this account is $100.00.

Minimum balance to avoid a fee — If, during any month, your average daily balance falls below $5,000.00, your account will be subject to a $9.50 Minimum Balance Fee for that month. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Deposit limitations — You may make an unlimited number of deposits into your account.

Limitations on frequency of transfers — During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Fees and Charges — The following fees and charges apply to this account:

• Excess Transfer or Withdrawal Fee: Each transaction in excess of the limitations described in the Limitations on frequency of transfers section of this disclosure will be assessed an additional $5.00 per item charge.
  

Gold Money Market

Compounding frequency — Interest will be compounded monthly.

Crediting frequency — Interest will be credited into this account monthly.

Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.

Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

Minimum balance to open — The minimum balance required to open this account is $100.00.

Minimum balance to avoid a fee — If, during any month, your average daily balance falls below $2,500.00, your account will be subject to a $7.50 Minimum Balance Fee for that month. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Deposit limitations — You may make an unlimited number of deposits into your account.

Limitations on frequency of transfers — During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Fees and Charges — The following fees and charges apply to this account:

• Excess Transfer or Withdrawal Fee: Each transaction in excess of the limitations described in the Limitations on frequency of transfers section of this disclosure will be assessed an additional $5.00 per item charge.
  

Premium Checking

Compounding frequency — Interest will be compounded monthly.

Crediting frequency — Interest will be credited into this account monthly.

Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.

Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

Minimum balance to open — The minimum balance required to open this account is $100.00.

Minimum balance to avoid a fee — If, during any statement cycle, your average daily balance falls below $10,000.00, your account will be subject to a $9.50 Minimum Balance Fee for that statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Deposit limitations — You may make an unlimited number of deposits into your account.

Fees and Charges — The following fees and charges apply to this account:

• Deposited Item Fee: $.06 per deposited item fee for each deposited item over 20 in a statement cycle.

Additional Terms — The following additional terms apply to this account: The service charge on this account can be avoided by maintaining a $50,000 deposit or a $100,000 loan balance in an accompanying account owned by the same accountholder.

We will credit your account $1.50 for foreign ATM transactions, up to $6.00 in a statement cycle.

Carrollton Select Checking

Compounding frequency — Interest will be compounded monthly.

Crediting frequency — Interest will be credited into this account monthly.

Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.

Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

Minimum balance to open — The minimum balance required to open this account is $100.00.

Minimum balance to avoid a fee — If, during any statement cycle, your average daily balance falls below $2,000.00, your account will be subject to a $7.50 Minimum Balance Fee for that statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Deposit limitations — You may make an unlimited number of deposits into your account.

Fees and Charges — The following fees and charges apply to this account:

• Deposited Item Fee: $.06 per deposited item fee for each deposited item over 20 in a statement cycle.

Additional Terms — The following additional terms apply to this account: Customers must be 55 years of age or older to qualify for this account. The service charge on this account can be avoided by maintaining a $10,000 balance in an accompanying deposit or loan account owned by the same accountholder. This balance requirement must be maintained in order to receive the additional account benefits described in the Carrollton Select brochure.

Gold Interest Checking

Compounding frequency — Interest will be compounded monthly.

Crediting frequency — Interest will be credited into this account monthly.

Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.

Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

Minimum balance to open — The minimum balance required to open this account is $100.00.

Minimum balance to avoid a fee — If, during any statement cycle, your average daily balance falls below $2,000.00, your account will be subject to a $7.50 Minimum Balance Fee for that statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Deposit limitations — You may make an unlimited number of deposits into your account.

Fees and Charges — The following fees and charges apply to this account:

• Deposited Item Fee: $.06 per deposited item fee for each deposited item over 20 in a statement cycle.

Additional Terms — The following additional terms apply to this account: The service charge on this account can be avoided by maintaining a $25,000 deposit balance or a $50,000 loan balance in an accompanying account owned by the same accountholder.

Free Checking

Minimum balance to open — The minimum balance required to open this account is $100.00.

Deposit limitations — You may make an unlimited number of deposits into your account.

Regular Savings

Compounding frequency — Interest will be compounded quarterly.

Crediting frequency — Interest will be credited into this account quarterly.

Effect of closing an account — If you close your account before interest is paid, you will not receive the accrued interest.

Daily balance computation method — Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits — Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

Minimum balance to open — The minimum balance required to open this account is $100.00.

Minimum balance to avoid a fee — If, during any statement cycle, your average daily balance falls below $100.00, your account will be subject to a $2.00 Minimum Balance Fee for that month. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

Deposit limitations — You may make an unlimited number of deposits into your account.

Limitations on frequency of transfers — During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three withdrawals may be made in person without incurring an excess transaction fee. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Fees and Charges — The following fees and charges apply to this account:

• Excess Transfer or Withdrawal Fee: Each transaction in excess of the limitations described in the Limitations on frequency of transfers section of this disclosure will be assessed in additional $1.00 per item charge.