Passbook Savings Accounts

MoreBank offers the traditional savings plan that provides a passbook that serves updated record of all transactions. Features and Benefits: Competitive Interest Rates Automated Telephone Information Unlimited teller transactions FDIC Insurance up to $250,000 Requirements: No minimum balance requirement No monthly maintenance fee

PASSBOOK SAVINGS Minimum Balance NONE Monthly S/C NONE Transaction Charges NONE Interest COMPETITIVE Telephone Access YES Internet Access YES Direct Deposit NO Statement NONE Visa Debit Card NONE

Statement Savings Accounts

MoreBank Statement Savings account comes with no minimum balance or direct deposit requirements. It has no monthly maintenance fee and unlimited teller transactions. It offers use of Online banking. Features and Benefits: Competitive Interest Rates Online Banking Use of MoreBank ATMs Automated Telephone Banking Detailed monthly statements Unlimited teller transactions FDIC Insurance up to $250,000 Requirements: No minimum balance requirement No monthly maintenance fee

STATEMENT SAVINGS Minimum Balance NONE Monthly S/C NONE Transaction Charges NONE Interest COMPETITIVE Visa Debit Card YES* Statement Monthly Internet Access YES Telephone Access YES Direct Deposit YES *REQUIRES ADDITIONAL CHECKING ACCOUNT

MoreClub Savings Accounts

MoreBank’s MoreClub account is the ideal tool to save specific amounts within a specific period of time. They range in amounts from $1,000 to $100,000 and in terms from 1 year to 5 years. Features and Benefits: Competitive Interest Rates Automatic internal transfers to fund account Automated Telephone Information FDIC Insurance up to $250,000 Automatic internal transfer at maturity Requirements: No monthly maintenance fee

MORE CLUB ACCOUNT Minimum Balance NONE Monthly S/C NONE Transaction Charges NONE Interest COMPETITIVE Direct Deposit NONE Internet Access YES Telephone Access YES Statement QUARTERLY Visa Debit Card NONE

Certificates of Deposit

MoreBank Certificates of Deposit (CDs) provide a secure place to invest money. CDs are excellent investments for chosen periods of time at a fixed interest rate, allowing a safeguard towards any rate fluctuations that may occur. Features and Benefits: Competitive fixed rate of interest Guaranteed earnings Flexible interest payment methods Terms range from 6 months to 5 years FDIC Insurance up to $250,000 Requirements: $2,500 minimun opening amount

CERTIFICATES OF DEPOSIT Minimum Balance $2,500 Monthly S/C NONE Transaction Charges NO TRANSACTIONS Interest COMPETITIVE Direct Deposit NONE Internet Access YES Telephone Access YES Statement NONE Visa Debit Card NONE

IRA - Certificates of Deposit

MoreBank IRA Certificates of Deposit are the perfect vehicle to save for retirement and defer taxes on earnings until distribution. Features and Benefits: Competitive fixed rate of interest Guaranteed earnings Terms range from 6 months to 5 years FDIC Insurance up to $250,000 Requirements: $2,500 minimum opening amount

IRA Minimum Balance $2,500 Monthly S/C NONE Transaction Charges NO TRANSACTIONS Interest COMPETITIVE Direct Deposit NONE Internet Access YES Telephone Access YES Statement NONE Visa Debit Card NONE