PASSBOOK SAVINGS

Definition:

An open deposit account which earns our standard savings interest rate. The customer's balance and account activity is recorded in a "passbook." Passbook savings serves as our basic savings account.

Features:	Benefits:
Funds are invested in an open account that has no maturity	Funds always available **
Additional deposits may be made to account at any time and in any amount	Flexibility
Up to 3 withdrawals may be made per month without a fee*	Convenience
FDIC insured	Safety
Passbook	Easy record keeping for deposits, withdrawals, and interest
Who Is Eligible: Individuals Businesses Organizations	Opening Requirements: Minimum $75.00 ($100 to earn interest) Acceptable ID Social Security Number or Tax ID Number
* Account may be changed to transaction account status. ** Seven day written notice of withdrawals may be required.