"Euro Super Now" Account

Rate Information

Balance	Interest Rate	Annual Percentage Yield (APY)
$100.00 - $2,499.99	1.00%	1.01%
$2,500.00 - $9,999.99	1.25%	1.26%
$10,000.00 or more	1.50%	1.51%

Your interest rate and “APY” may change. The interest rate for your account may change at any time at our discretion. Interest begins to accrue on the business day you deposit any non cash items (for example, checks). Interest on your account will be compounded monthly and will be credited to your account on the last day of each month.

Minimum Balance Requirements

You must deposit $ 100.00 to open this account. You must maintain a minimum balance of $2,500.00 in the account each day of the month to avoid the monthly minimum balance fee . In addition, you must maintain the minimum balance of each level in your account every day to obtain the “APY” listed above.

Balance Computation Method

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

Fee Schedule

Monthly minimum balance fee if the balance drops below $ 2,500.00 any day of the month	$10.00
Fee for each check and/or debit in excess of 15 within each monthly period	$0.25
Fee for stop payment of a check (per check or written order)	$15.00
Fee for check returns (per check or written order) for insufficient, unavailable or uncollected
funds, postdated checks	$15.00
Fee for payment of each check or written order that originates or increases an overdraft	$15.00
Overdraft finance charge fees	24%
Daily charge over two (2) days in overdraft	$3.00
Monthly fee for "dormant" accounts (180 days or more with no customer related transactions	$1.00
Fee for copies of documents (per page, per document):
-checks drawn on the account	$5.00
-account statements	$3.00
Fee for computer printouts of account statements (per page)	$3.00
Fee for check printing (per 200)	*
*(Cost of check printing varies depending on style of checks ordered)

Penalty For Account Closing

If you close your account before interest is credited, you will not receive the accrued interest.

This information is correct as of 10/31/2008. To obtain current information on fees, rates, and account terms, you may contact us at 751-7340.