First Rate Savings The First Rate Savings Account gives you a secure way to save. Interest is compounded and credited to your account quarterly. With a minimum daily balance, there is no monthly maintenance fee. The fee is waived on accounts held by minors. With a minimum daily balance of $100, your account will earn a competitive rate of interest and no base fee will be charged. If the minimum daily balance falls below $100 one day during the statement cycle, a base fee of $3.00 per month will be assessed. The base fee will be waived for minors under 18. This is a limited transaction account. Withdrawals over 3 per month will be assessed a service charge of $3.00 per transaction. Rates Effective 03/30/2007 Interest Rate APY* 1.19% 1.20% *Annual Percentage Yield **The Interest Rate and Annual Percentage ("APY") are accurate as of the date shown. At the Bank's discretion, rates and yields are subject to change without notice after the account is opened. Interest is calculated and compounded quarterly on the collected balance in your account and credited to your account quarterly. Fees may reduce earnings. Minimum deposit to open account is 100.00. Deposit Rates Terms and Conditions Notice of ATM