Balance Requirements:
*  You must deposit $100.00 to open this account.
*  No minimum balance required.
*  Monthly Maintenance Fee of $3.75

Periodic Statements:
*  You will get a monthly account statement.

Transaction Limitations:
*  You may write up to 12 checks per month.

Fees:
*  A $.50 per check charge will be imposed after the 12th check.

Cost of check printing varies depending on the style of checks ordered.

Rate Information:
*  Please see one of our Customer Service Representatives at our branch location for current interest rate and annual percentage yield information.
*  Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Interest compounding and crediting:
*  Interest will be compounded monthly and credited to your account monthly.

Effect of closing an account:
*  If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements:
*  You must deposit $1,000.00 to open this account. (You must maintain a minimum balance of $1,000.00 in your account every day to obtain the annual percentage yield listed.)*  A maintenance fee of $5.00 plus $.20 per debit will be imposed every month if the balance in the account falls below $1,000.00 any day of the month.

Balance-computation Method:
*  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.
*  Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks).

Periodic Statements:
*  You will get a monthly account statement.

Rate Information:
*  Please see one of our Customer Service Representatives at our branch location for current interest rate and annual percentage yield information.
*  Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Tiered-rate accounts:
*  If your daily balance is $1,000.00 or more, but less than $5,000.00, see the rate sheet for the interest rate paid on the entire balance in your account.
*  If your daily balance is $5,000.00 or more, see the rate sheet for the interest rate paid on the entire balance in your account.

Interest compounding and crediting:
*  Interest will be compounded monthly and credited to your account monthly.

Effect of closing an account:
*  If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements:
*  You must deposit $100.00 to open this account. (You must maintain a minimum balance of $1,000.00 in your account every day to obtain the annual percentage yield listed.)
*  Maintenance Fee – $9.00 (monthly)

Balance-computation Method:
*  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.
*  Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks).

Periodic Statements:
*  You will get a monthly account statement.

 tiers tiersRate Information:
*  Please see one of our Customer Service Representatives at our branch location for current interest rate and annual percentage yield information.
*  Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Tiered-rate accounts:
*  Evergreene Club Accounts have a tiered rate based on the daily balance in the account. The following daily balance tiers apply to this account:
      * Daily Balance of $1,000-$4,999.99
      * Daily Balance of $5,000 or greater

Interest compounding and crediting:
*  Interest will be compounded monthly and credited to your account monthly.

Effect of closing an account:
*  If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements:
*  You must deposit $100.00 to open this account. (You must maintain a minimum balance of $1,000.00 in your account every day to obtain the annual percentage yield listed.) A maintenance fee of $5.00 will be imposed every month if the balance in the account falls below $500.00 any day of the month.

Balance-computation method:
*  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.
*  Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks).

Periodic Statements:
*  You will get a monthly account statement.

 Interest compounding and crediting:
*  Interest will be compounded monthly and credited to your account monthly.

Effect of closing an account:
*  If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements:
*  You must deposit $2,500.00 to open this account.
*  You must maintain a minimum balance of $2,500.00 in your account every day to obtain the annual percentage yield listed.
*  A maintenance fee of $5.00 will be imposed every month if the balance in the account falls below $2,500.00 any day of the month.

Balance-computation method:
*  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.
*  Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks).

Periodic Statements:
*  You will get a monthly account statement.

Rate Information:
*  Please see one of our Customer Service Representatives at our branch location for current interest rate and annual percentage yield information.
*  Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Tiered Rate:
*Money Market accounts have a tiered rate based on the daily balance in the account. The following daily balance tiers apply to this account:
     *Daily Balance of $2,500-$9,999.99
     *Daily Balance of $10,000.00-$24,999.99
     *Daily Balance of $25,000.00-$49,999.99
     *Daily Balance of $50,000.00-$99,999.99
     *Daily Balance of $100,000.00-$249,999.99
     *Daily Balance of $250,000.00 and greater

*  Interest will be paid at the rate shown for the entire balance in the account.

Rate Information:
*  Please see one of our Customer Service Representatives at our branch location for current interest rate and annual percentage yield information.
*  Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Interest compounding and crediting:
*  Interest will be compounded annually and credited to your account annually.

Effect of closing an account:
*  If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements:
*  You must deposit $10.00 to open this account.
*  You must maintain a minimum daily balance of $200.00 in your account every day to obtain the annual percentage yield listed.

Balance-computation Method:
*  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.
*  Interest begins to accrue no later than the business day we receive credit for non-cash items (for example, checks).

Transaction Limitations:
*  You may make one withdrawal at no charge, prior to annual maturity.

*  Entire balance including interest paid to customer on date designated annually.

Fees:
*  A $7.50 debit items fee will be charged for each withdrawal after one, prior to annual maturity (set by bank). Listing of fees and services may be obtained from a customer service representative in our Greensboro or Union Point Office.

Statement Period:

*  NO STATEMENT IS PROVIDED.

Interest will be credited to your account or paid to you monthly, quarterly, semi-annually, annually, at maturity or as agreed upon.
*  The annual percentage yield (APY) assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings.
*  After the account is opened, you may not make any deposits into or withdrawals from the principal in the account until the maturity date.
*  Interest begins to accrue on the business day any cash or non-cash items are deposited.

Penalty for Early Withdrawal
*  90 days interest penalty calculated on the principal amount of the certificate for certificates with a maturity of less than one year.
*  180 days interest penalty calculated on the principal amount of the certificate for certificates with a maturity of one year or more.

Renewal Policy
*  If your certificate is SINGLE MATURITY and does not automatically renew, present it PROMPTLY at maturity as no interest is payable after the maturity date.
* If your certificate will AUTOMATICALLY RENEW, you will have a grace period of 10 days from maturity date to present this certificate for payment without penalty. IT WILL BE RENEWED AT THE RATE IN EFFECT AT THIS INSTITUTION ON THE DATE OF MATURITY.
Method of Computation . . . . . . . . . . . . . . . Daily Balance*

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

Please see one of our Customer Service Representatives at our branch location for current interest rate and annual percentage yield information.