Deposits

Money Market Account Disclosure

This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosures should be construed so that the singular includes the plural and the plural includes the singular.

We reserve the right to require 7 days written notice before any withdrawal from this account.

Variable Rate: This is a variable rate account. The interest rate and annual percentage yield for your account will depend upon the deposit balances you maintain and the applicable rate tier. Please refer to the rate chart below for current applicable rates and annual percentage yields. The interest rate and annual percentage yield for these tiers may change.

Determination of rate: At our discretion, we may change the interest rate on your account

Frequency of rate change: We may change the interest rate on your account daily.

Compounding and Crediting:

Frequency: Interest will be compounded daily and credited to the account monthly.

Effect of Closing an Account. If you close your account before interest is credited, you will not receive the accrued interest.

Minimum Balance Requirements:

To Open the Account: You must deposit at least $500 to open this account. To avoid the imposition of the monthly minimum balance service charge you must maintain a $500.00 balance.

A service charge of $5.00 will be imposed every month if the balance in the account falls below $500.00 on any day of the month.

Balance Computation Method:

Daily Balance 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.

Accrual of Interest on Noncash Deposits: Interest begins to accrue on the business day you deposit noncash items (for example, checks.)

Transaction Limitations:

You may only make 6 withdrawals from your account each month. There is no minimum withdrawal amount.

Additional terms:

The following tiered rates apply to this account:

Shelter Bank Money Market Rates

Effective as of: 3/14/2008

To obtain an Annual Percentage Yield greater than 0.00%, you must maintain a minimum balance of $500.00.

To obtain an Annual Percentage Yield associated with any rate tier, you must maintain the minimum balance for that rate tier.

Rate tiers are displayed above. Rates and APYs for each rate tier are in effect the day you opened this account, but may change at any time, as previously disclosed.

If you exceed the maximum number of allowed checks or total withdrawals in any given month, you will be charge $25.00 per excess transaction.

If a check for an amount in excess of your available balance is presented against your account, your account will be assessed a $25.00 insufficient funds fees.

If a stop payment request is received, a $25.00 fee will be assessed to your account for each item requested.

A wire transfer fee of $25.00 will be assessed for each outgoing wire.

Additional Fees:

• Return Item Fee (charged if a check you give us as a deposit is returned - $5
• Account research fee - $15 per hour
• Garnishment Fee - $25 per occurrence
• Overnight Mail Fee - $15