Compare Savings, CDs & Money Market

	PERSONAL MONEY MARKET	PERSONAL SAVINGS	MINOR SAVINGS	CERTIFICATES OF DEPOSIT³
Minimum Opening Deposit	$2,000.00	$250.00	$50.00	$1,000.00
Interest Bearing	Yes⁷	Yes⁷	Yes⁷	Yes⁷
Interest Rate⁶	Variable¹ Interest compounds and is paid monthly²	Variable¹ Interest compounds and is paid quarterly²	Variable¹ Interest compounds and is paid quarterly²	Fixed based on Term of CD
Term	N/A	N/A	N/A	90 days to 5 years
Minimum Daily Balance	$2,000.00	$250.00	N/A	N/A
Minimum Average Daily	$5,000.00	$1,000.00	N/A	N/A
Monthly Maintenance	$15.00	$3.00	N/A	N/A
Monthly Activity Fees	$10.00 for each preauthorized transfer including checks over 6 per month	$10.00 for each preauthorized transfer over 6 per month	$10.00 for each preauthorized transfer over 6 per month	N/A
Statements	Monthly	Quarterly	Quarterly
Online Banking	Yes	Yes	Yes
Bill Pay Service	N/A	N/A	N/A
ATM Card	Yes	Yes	Yes
Debit Card	N/A	N/A	N/A
Other Features and Benefits	No AMB fee for ATM transactions⁴	No AMB fee for ATM transactions⁴	No AMB fee for ATM transactions⁴
Other Fees and Restrictions	None	None	None	Substantial Penalty for Early Withdrawal
¹Interest rates are subject to change at the Bank's discretion as often as daily without notice. Fees may reduce earnings. ² If you close your account before interest is credited, you will not receive the accrued interest. ³CDs will automatically renew at maturity unless you designate a fixed maturity ⁴A proprietary bank fee may apply unless you use a SUM ATM ⁵Interest paid varies based on the amount on deposit ⁶ Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (i.e. checks) ⁷ 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.