Sound Savers Savings

   · No fee for club
     membership
   · Minimum balance
     of $10
   · Dividends are paid on
     the entire balance

 Sound Savers Checking

  · Parent/Guardian
    required on account
  · No monthly service fee
  · No minimum balance
  · No per check charges
  · FREE ATM use
  · FREE Exec-Check Visa
    Debit Card
  · FREE 24 hour web and
    phone access
  · FREE Bill Payer &
    Bill Payer Plus
  · FREE E-Statements
  · Overdraft Advance