Free Checking
TRUTH IN SAVINGS DISCLOSURE

This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular.

Minimum Balance Requirements:
There is no minimum balance required to open this account. The period we use is monthly statement cycle.

Additional Terms:

• A dormant service charge fee of $5.00 will be charged monthly if for one year no deposits or withdrawals are made to the account and if the account balance falls below a constant minimum balance of $1,000.
• When processing checks drawn on your account, our policy is to pay checks in numerical sequence. Lower check numbers are paid first.
• A $30.00 NSF paid item fee is charged for each item that would create an overdraft on your account that is paid.
• A $30.00 NSF returned item fee is charged for each item that would create an overdraft on your account that is returned. 
• A $30 continuous negative balance fee is charged each 7th day the account is overdrawn.
• A non-sufficient funds (overdraft/negative balance) may result from: a) the payment of checks, in-person withdrawals, recurring debit card transactions or other electronic funds transfers, or other withdrawal requests you initiate; b)payments authorized by you; c)the return of unpaid items deposited by you; d)charging your account for our applicable service charges and fees; or e)the deposit of items to your account which according to our Funds Availability Policy, are treated as not yet "available" or "finally paid".
• Each Stop Payment requested will be charged $30.00 per item or $60.00 per range of items.
• An early account closing charge of $10 will be assessed on any account that has been open less than 6 months.
• If you use an automated teller machine that is not operated by us you may be charged a fee by the operator of the ATM or network.
• If you conduct a transaction with the ATM/Debit card in a foreign country, there will be an International Service Assessment or an International Currency Conversion fee of up to one percent (1%) of the transaction amount that will be included in the transaction that appears on your monthly statement.
• Refer to the Fee Schedule for charges for other requested services.

                                                                                                                    06/11