Gold Money Market Features Interest is compounded and credited monthly Minimum balance of $500 to open and avoid maintenance fee Competitive interest rate Transfers are limited to 6 per month, with no more than 3 by check, minimum transfer amount is $250 Benefits Convenience of check writing ability (minimum withdrawal $250.00) Penalty Free withdrawal at any time Increase income by earning interest Maintenance Fee:  No fee if above $500.00. $10.00 if the minimum balance falls below $500.00 Transaction Fee:  $1.00 per item over three items per month Account Statements:  Quarterly bank statements   FMSB Gold Money Market Current Interest Rates as of (Jul-06-08) Interest rates may vary and fees could reduce earnings $500 minimum deposit required to open an account Account Balance Tier Annual Percentage Yield Interest Rate $100,000.00 or more 3.25% 3.20% $50,000.00 - $99,999.99 3.25% 3.20% $25,000.00 - $49,999.99 3.25% 3.20% $10,000.00 - $24,999.99 3.25% 3.20% Less than $10,000.00 3.25% 3.20%