"Simply Pay Yourself First"

"Saving is Simple when you pay yourself first"

• Open with only $1
• Competitive interest paid on every dollar
• No minimum balance
• $10 monthly auto draft from any Waccamaw Bank checking account, required

REGULAR SAVINGS

This is a smart way to begin a savings plan, because it's flexible and easy.

• Open with as little as $100.
• Interest compounded daily.
• Easy access to your funds.
• Quarterly statement update.
• Combined checking and savings statement at your request.

MONEY MARKET

A money market account is a great savings approach. It allows you to earn higher interest rates without tying up your money. Interest rates are based on tiered increments; the higher the tier, the more you earn. Unlimited personal withdrawals at any Waccamaw Bank branch, ATM or transfer to any Waccamaw Bank account.

CERTIFICATES OF DEPOSIT

Offering terms ranging from 7 days up to 60 months with competitive rates. Call your local branch for current rates.

CHRISTMAS CLUB SAVINGS

Begin saving for Christmas today! You may transfer money from your checking or savings account to your Christmas Club account or you may set up a direct deposit from your payroll. Monies deposited during the year will be mailed to you in the form of a specially designed check in early November - just in time to begin shopping early for Christmas. You can continue to use the same account for the next year if a deposit is made before January 31.

INDIVIDUAL RETIREMENT ACCOUNTS

Waccamaw Bank offers IRA investments. Select from:

• 6-, 12-, 36-, 48- or 60-Month Tiered IRAs that offer fixed interest rates and are automatically renewable at maturity.
• 18-Month Variable Rate IRA (interest rate varies with current Money Market conditions).
• Interest on all Waccamaw Bank IRAs is compounded daily and credited monthly