Personal Banking

	Checking Accounts		Money Market Accounts
Features	Free Interest Checking	Senior Checking	Money Market	Premium Money Market
Rates	Click Here	Click Here	Click Here	Click Here
Minimum Opening Deposit	$100.00	$100.00	$100.00	$10,000.00
Interest Paid	Monthly	Monthly	Monthly	Monthly
Account Requirement	Interest only paid on balances over $1,000.00	Interest only paid on balances over $1,000.00	Interest only paid on balances over $1,000.00	Interest only paid on balances over $10,000.00
Standard Monthly Fee	Must maintain balance above $0 or a $10 monthly fee will be assessed	Must maintain balance above $0 or a $10 monthly fee will be assessed	$10.00 if balance falls below $1,000	$15.00 if balance falls below $10,000
Check Writing Fee	None	None	$5.00 per item over allowed transactions (6 per month)	$5.00 per item over allowed transactions (6 per month)
ATM Access	Yes	Yes	No	No
Debit Card	Free MasterCard check card	Free MasterCard check card	None	None
Direct Deposit	Not Required	Not Required	Not Required	Not Required
Online Services (including Bill Pay)	Free	Free	Free	Free
Check Images	Free w/ Monthly Statement	Free w/ Monthly Statement	Free w/ Monthly Statement	Free w/ Monthly Statement
Overdraft Protection	Offered through a Check Credit Account	Offered through a Check Credit Account	None	None

	Savings Accounts
Features	Statement Savings	Passbook Savings	Kids Savings	Christmas Club
Rates	Click Here	Click Here	Click Here	Click Here
Minimum Opening Deposit	None	None	$10.00	$10.00
Interest Paid	Monthly	Quarterly	Quarterly	Annually
Account Requirement	None	None	None	Interest paid on balance on October 31st
Standard Monthly Fee	$10.00 if balance falls below $100.00	$10.00 if balance falls below $100.00	None	$5.00 fee for early withdrawal
Check Writing Fee	None	None	None	None
ATM Access	Yes	No	No	No
Debit Card	None	None	None	None
Direct Deposit	Not Required	Not Required	Not Required	Not Required
Online Services (including Bill Pay)	Free	Free	Free	None
Check Images	None	None	None	None
Overdraft Protection	None	None	None	None

Certificates of Deposit
Features	Evergreen Standard CD Program
Minimum Opening Deposit	$1,000.00
Interest Options	Quarterly
Account Requirement	None
Renewal	Automatic
Penalties	May apply to withdrawals prior to maturity

Other terms and conditions may apply. Accounts subject to change at any time. All accounts subject to credit approval. Contact a Personal Banker for more details.