*WYNNER ACCOUNT
  MINIMUM $1,000.00 Daily balance required

Eligibility limited to individuals, nonprofit organizations and governmental units

You are allowed unlimited check writing and no monthly service charge unless balance falls below $1,000.00.  If the daily balance falls below $1,000.00 any day of the statement month, a service charge of $4.00 plus 25 cents for each debit item will be charged.

*WYNNER PLUS ACCOUNT
  MINIMUM $2,500.00 Daily balance required

Eligibility limited to individuals, nonprofit organizations and governmental units

This account pays a higher amount of interest than the WYNNER ACCOUNT.  You are allowed unlimited check writing and no monthly service charge unless balance falls below $2,500.00.  If the daily balance falls below $2,500.00 any day of the statement month, a service charge of $4.00 plus 25 cents for each debit item will be charged.

*WYNNER PLUS MONEY MARKET ACCOUNT
MINIMUM $2,500.00 Daily balance required

This is a limited activity account carrying a $5.00 per item fee for each check, draft, debit card or similar order in excess of three during a statement cycle.  This account earns higher interest than a Wynner Plus Account.

SAVINGS ACCOUNTS

*REGULAR SAVINGS
  MINIMUM of $50.00 to open.

Interest compounded and credited quarterly. Daily minimum of $25.00 required to earn interest. Three withdrawals per quarter. Excess of this limit will create a $3.00 per item fee.

*CHRISTMAS CLUB ACCOUNT
  MINIMUM $5.00 to open.

Interest compounded annually and credited at maturity. Checks are mailed to customers in Mid-October. Coupon books available for convenience or automatic draft payment is available.  If  account is closed before maturity, a $30 Closing Fee will be charged.  

FOR RATES AND ADDITIONAL INFORMATION ON INTEREST BEARING ACCOUNTS. WRITE, CALL 870-238-8171 OR E-MAIL.