Savings & Checking

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#C0DCC0" TEXT="#080000" bgproperties="fixed" background="04060961excgdu.jpg"> <div> <FONT SIZE="5" COLOR="#000000" FACE="Arial" ><B>SOURCEONE Credit Union</B></FONT><FONT SIZE="1" COLOR="#006633" FACE="Arial" > </FONT><FONT SIZE="1" COLOR="#660000" FACE="Arial" > </FONT> |    <U>H</U><A HREF="index.htm" TARGET="_top" TITLE="SOURCEONE Credit Union"><U>o</U></A><A HREF="index.htm" TARGET="_top" TITLE="SOURCEONE Credit Union"><U>me</U></A></div> <div> <A HREF="id17.htm" TARGET="_top" TITLE="About Us"><U>About Us</U></A>   |   <A HREF="id18.htm" TARGET="_top" TITLE="Contact Us"><U>Contact Us</U></A>   |   <B>Savings & Checking</B>   |   <A HREF="id20.htm" TARGET="_top" TITLE="Loan Info"><U>Loan Info</U></A>   |   <A HREF="id22.htm" TARGET="_top" TITLE="Telephone Teller"><U>Telephone Teller</U></A>   |   <A HREF="id21.htm" TARGET="_top" TITLE="Register to Join"><U>Register to Join</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=190 BGCOLOR="#C0DCC0" TEXT="#080000" background="03f12163.jpg"> <div> Active U.S. Government employees enjoy the ease and convenience of saving using payroll deduction and Direct Deposit. </div> <div> Current members employed by the USPS who wish to establish or change a payroll deduction or Direct Deposit should contact us for instructions on how to use the <I>Postal</I><I>EASE </I>telephone enrollment system.</div> <div> We will be happy to fax these instructions to you.</div> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> Savings & Checking</div> <bR> <div> <A HREF="http://www.ncua.gov" TARGET="_top" TITLE="http://www.ncua.gov"><U><B><IMG SRC="051573d0.gif" border=0 width="343" height="61" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <bR> <bR> <div> <B>Effective 10/01/2004 through 12/31/2004</B></div> <bR> <div> <B>Regular Share Accounts:</B></div> <bR> <div> $250.00 to $5,000.00  = .55% APYE</div> <div> Over $5,000.00 = 1.30% APYE</div> <bR> <div> <B>Christmas Club Share Accounts:</B></div> <bR> <div> .65% APYE on any balance</div> <bR> <div> <IMG SRC="05b5f230.gif" border=0 width="95" height="35" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <div> <B>SHARE DRAFT ACCOUNTS...TOTALLY FREE CHECKING!</B></div> <bR> <div> Special This Quarter!</div> <bR> <div> 2.00%<FONT SIZE="3" COLOR="#000000" FACE="Arial" > APYE on any balance</FONT></div> <bR> <div> No minimum balance, no monthly fees, no per check fees.</div> <div> <I>VISA</I> Check cards (debit/ATM) available to qualified members.</div> <bR> <div> <B>Looking for a surcharge free ATM?  </B>Go to<B> </B><A HREF="http://moneypass.com" TARGET="_top" TITLE="http://moneypass.com"><U><B>www.moneypass.com</B></U></A></div> <bR> <bR> <div> ************************************************************************************************************</div> <div> Dividends on regular and club accounts are paid quarterly.</div> <div> Dividends on share draft accounts are paid monthly.</div> <div> We use an average daily balance (day in, day out) method for computing our dividends.</div> <div> Share accounts closed prior to the next dividend posting forfeit accrued interest.</div> <div> Special rules apply for club accounts. </div> <bR> <div> Please contact the Credit Union for full disclosures on all of our share products.</div> <bR> <div> Deposits are insured up to $100,000.00 by the National Credit Union Administration (NCUA), a federal agency. Contact the<FONT SIZE="2" COLOR="#0000FF" FACE="Arial" > <A HREF="http://www.ncua.gov" TARGET="_top" TITLE="http://www.ncua.gov"><U>NCUA</U></A></FONT><A HREF="http://www.ncua.gov" TARGET="_top" TITLE="http://www.ncua.gov"><U> </U></A>for more information.</div> <bR> </td> </tr></table></body>