Our Advantage Money Market Account is designed for personal investors who want a money market account and are able to maintain higher-than-average available balances. In return for those higher average available balances, the Advantage Money Market account pays higher average interest rates. This account has limited check writing privileges. The account earns a variable rate of interest.

• A minimum deposit of $100.00 is required to open the account.
• There is a monthly Account Maintenance Fee of $12.00

Monthly Account Maintenance Fee is waived if during the Monthly Statement Cycle period you meet one of the following:
• $10,000 or more Minimum Current Balance, or
• $15,000 or more Average Available Balance.

Added Benefits Include:
• Four Tiers of Interest. The daily balance method is used to calculate interest on your Advantage Money Market Account. The current interest rates are:
  
  
  

  Interest Rate APY $0 to $9,999.99 .30 .30 $10,000 to $49,999.99 .65 .65 $50,000 to 99,999.99 .70 .70 $100,000 and over .75 .75

  
  
  Rates and Annual Percentage Yields (APY) are current
  as of 07/30/2010
  
  Rates Subject to Change Without Notice

Transaction Limitations - In accordance with Federal Regulations, savings accounts are limited to allow no more than six withdrawals per calendar month or statement cycle of at least four weeks for the purpose of pre-authorized, automatic, telephone transfers (to a third party or to another account of yours), check, draft, debit card or similar order payable to third parties. If monthly transactions exceed this legal limit, a charge of $10.00 will be imposed for each excess transaction and the account will be subject to closure pursuant to Federal regulations. There are no transaction limitations on the number of withdrawals from your account that you conduct in person with an authorized representative of the Bank or through an ATM.

• Fees could reduce earnings on the account.