Important Information About Your
Personal Accounts

• Account General Terms

• Truth-In-Savings Disclosures

• Current Interest Rates

• Schedule of Fees

• Funds Availability

• Electronic Funds Transfer

• Important Information about Checking Account Substitute Checks and Your Rights

• ATM/Night Deposit Facility User Precautions

• Online Banking and Bill Payment Agreement

• Privacy Policy

• Printable Disclosures (Rev. 09/2006 PDF file)