TRUTH-IN-SAVINGS DISCLOSURE

FIRST CHECKING ACCOUNT
Minimum balance to open the account - You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees - If your balance falls below $300.00 on any day in the statement cycle we will impose a service charge fee of $8.00 for that cycle.

If your balance is at least $300.00 on every day in the statement cycle but falls below $400.00 on any day during the statement cycle we will impose a service charge fee of $7.00 for that cycle.

If your balance is at least $400.00 on every day in the statement cycle but falls below $500.00 on any day during the statement cycle we will impose a service charge fee of $6.00 for that cycle.

If your balance is at least $500.00 on every day in the statement cycle but falls below $600.00 on any day during the statement cycle we will impose a service charge fee of $5.00 for that cycle.

COMMON FEATURES
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Replace lost ATM card	$5.00
ATM replacement PIN (personal identification number)	$1.00
ATM cash withdrawal at ATMs we do not own or operate	$1.00
Check printing	(fee depends on style of check ordered)
Cashier's checks	1% of amount purchased ($5.00 minimum, $15.00 maximum)
Money orders	$3.00
Traveler's checks	$1.00 per $100.00
Overdraft each overdraft paid	$30.00
Nonsufficient funds each	$30.00
Temporary statement	$5.00
Temporary checks	$2.00
Account research	$15.00 per hour
Stop payments each	$30.00
Account closed within six months of opening	$10.00
Photocopies	$1.50 per copy of check or deposit
Wire transfers
Outgoing Incoming noncustomer	$15.00 $15.00
Safe deposit box rental	varies by size
Safe deposit box key replacement (1 key)	$150.00
Safe deposit box drilled	$250.00

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.