Hometown Checking Account

          - This account requires a minimum of $100.00 to open

          -  Unlimited check writing abilities

          - $500.00 minimum daily balance or $2,500.00 average available
             daily balance will avoid a $5.00 monthly service charge.

          - Interest accrues daily and paid monthly

           - Free ATM and Debit Card capability

           - Requires 10 or more debit and/or credit transactions per statement cycle
             to receive disclosed APY*, otherwise account earns applicable personal money
             market tier APY.

* APY - Annual Percentage Yield