TRUTH-IN-SAVINGS DISCLOSURE

NEW OUTLOOKS CLUB-NOW ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

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

Minimum balance to open the account - You must deposit $1,000.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Fees: A membership fee of $8.00 (single) or $11.00 (family) will be charged each statement 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.