Receive Basic Checking with no monthly fees if you do any of the following:

• Have monthly direct deposit of your paycheck, social security or pension check into this account
• Maintain $500 in this account
• Are a Member Rewards Club member with a minimum combined deposit/loan balance of $10,000+ (excluding first mortgage)
• Join e-Club; this fee is waived when you do not use branches for routine transactions
• Are a Student Club member age 16 to 20

Qualifying for Free Checking

It is easy to qualify for Free Checking. Simply have your monthly, recurring pay, social security, pension or other recurring government check directly deposited into your Community Financial Basic Checking Account. This will waive the monthly service fee and per check charges

Avoid the $8.00 Monthly Fee on Checking Plus by:

• Maintaining $2,500 in this account
• Being a Member Rewards Club member with a minimum combined deposit/loan balance of $25,000+ (excluding first mortgages)
• Linking this account with others to build your total household balance to $25,000+

Avoid the $15.00 Monthly Fee on High Yield Checking by:

• Maintaining $2,500 in this account

Avoid the $3.00 monthly fee on your Basic Savings Account if you do any of the following:

• Maintain $300 in this account
• Are a Member Rewards Club member with a minimum combined deposit/loan balance of $10,000+ (excluding first mortgage)
• Joining e-Club; this fee is waived when you do not use branches for routine transactions
• Are a member under age 21
• Linking this account with others to build your total household balance to $10,000+

Avoid the $5.00 Monthly Fee on your Super Saver Account by:

• Maintaining $1,000 in this account
• Being a Member Rewards Club member with a minimum combined deposit/loan balance of $25,000+ (excluding first mortgages)
• Linking this account with others to build your total household balance to $25,000+

Avoid the Monthly Maintenance & Per Check Fees on Business Checking when you:

• Maintain $5,000 in this account.

Please note the $.15 per deposit fee on excess deposits is not waived.

Avoid the $3.00 monthly fee on Business Savings when you:

• Maintain $300 in this account
• Join e-Club; this fee is waived when you do not use branches
  for routine transactions

Fixed Rate Mortgage Payment Examples

30 Year Fixed Mortgage Payment Example: A $200,000 home with 20% down, at 6.375% for 30 years with zero points, your monthly principal and interest payment would be $998.19.

15 Years Fixed Mortgage Payment Example: A $200,000 home with 20% own, at 6.125% for 15 years with zero points, your monthly principle and interest payments would be $1,361.

Rate sample information as of 3/2007 and subject to change without notice. Equal housing lender.