CALL 24 INSTRUCTIONS

1) Call (912) 233-6491 or 1-800-408-6466
2) Enter your account number followed by #
3) Enter your 4-digit PIN followed by #
4) Enter your main menu choice (1 - 7)
5) Enter the appropriate number under each main menu
6) Key in requested information to complete the inquiry or transaction
7) Enter * for previous menu
8) Enter # to end the call

CALL 24 MENU

1. Checking

1. Balance
2. Last 5 Checks Cleared
3. Specific Checks Cleared
4. Last 5 Deposits
5. Transfer to Savings
6. Transfer to Loan
7. Year-To-Date Dividend Information
8. Prior Year-To-Date Dividend Information
9. Last 5 Non-draft Withdrawals

2. Savings

1. Balance
2. Transfer to Savings or Checking
3. Transfer to Loan
4. Withdrawal by Check (mailed)
5. Last 5 Deposits
6. Last 5 Withdrawals
7. Year-To-Date Dividend Information
8. Prior Year-To-Date Dividend Information

3. Certificates

1. Balance
2. Dividend Rate and Maturity Information
3. Year-To-Date Dividend Information
4. Prior Year-To-Date Dividend Information

4. Loans

1. Balance, Payoff, and Payment Information
2. Year-To-Date Interest Paid
3. Prior Year Interest Paid
4. Transfers from Savings
5. Loan Calculations
6. VISA® Transactions

5. Cross Accounts

1. Balance of Savings
2. Balance of Loans
3. Transfer Funds to Savings
4. Transfer Funds to Loans
5. Year-To-Date Dividend Information
6. Prior Year-To-Date Dividend Information
7. Year-To-Date Interest Paid
8. Prior Year Interest Paid

6. PIN Change

7. Credit Card Information

1. VISA Classic
   1. Balance
   2. Transfer Payment From A Share Account
2. VISA Platinum
   1. Balance
   2. Transfer Payment From A Share Account