Personal Savings

Statement Savings Account

Minimum Opening Balance	$50.00
Minimum Balance to Avoid Monthly Charge	$50.00
Monthly Service Charge	$5.00
Quarterly Withdrawal Limit	6
Charge For Excessive Withdrawal	$2.00 + $0.50/withdrawal
Features:	1) Funds available through the bank or by ATM 2) Earns prevailing interest rates, compounds daily and pays quarterly 3) Descriptive quarterly statement 4) No monthly service charge if minimum balance is maintained. 5) Insured by the FDIC

Christmas Club

Minimum Opening Balance	First time Christmas Club Account Holders--$25.00 Christmas Club Account Holders—No minimum balance
Monthly Service Charge	None
Term of Account	50 weeks
Early withdrawal prior to maturity	$5.00
Features:	1) Interest bearing Account  2) Customer can choose between coupon book or automatic transfer 3) No service charge or activity fee 4) Interest compounds daily and pays at maturity 5) At the end of term, customer receives a check in the mail or a deposit to another account 6) Insured by the FDIC

WISE Account (Weekly Investments Show Earnings)

Minimum Opening Deposit	$5.00
Minimum Balance	None
Opening Age Requirement	12 years old or younger
Monthly Service Charge	None
Quarterly Withdrawal Limit	5
Charge for Excessive Withdrawal	$2.00 + $.50/ Withdrawal
Prizes	1) At Account Opening- T-shirt, passbook & account card  2) Per Deposit- Treasure Chest Toy 3) $100 Balance- Meal Certificate 4) $250- Movie Rental 5) $500- Meal Certificate & Movie Rental 6) $1000- $10 Hootie Money Voucher 7) $2000- $50 Savings Bond
Features	1) Earns prevailing interest rates, compounds daily & pay quarterly 2) No minimum balance requirements or monthly service charge 3) Descriptive quarterly statement 4) Funds available through the bank 5) Insured by the FDIC