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Super Now Account

Keep your Money Working for You:

• Pays a competitive interest rate.
• $6.00 monthly maintenance fee if account balance falls below $1000 any day of the statement cycle.
• $1,000 minimum balance to open.
• $0.17 per debit item fee for all debit items in excess of 20 during the statement cycle.
• Interest credited monthly using the average daily balance computation method.
• ATM/Debit card available upon bank approval.
• Free Telephone Banking.

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAS"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit, www.fdic.gov