1. That’s Life! A Penny Saved is a Penny Earned.

2. Community Financial AccountAccount PlanFeesInterest CheckingStudent Checking$5 to openNo interest SavingsYouth Savings$5 to open0.05%

3. Fifth Third Bank AccountAccount PlanFeesInterest CheckingEssential CheckingIf you’re a student= $0 otherwise $11/month No interest SavingsRelationship SavingsNo charge if you are a minor or already have a checking account, otherwise $5/month 0.03%-0.07%

4. Bank of America AccountAccount PlanFeesInterest CheckingAdvantage CheckingNo fees IF you maintain a daily balance of $5,000 otherwise $25/month 0.01%-0.03% SavingsRegular Savings$5 to open (first 3 withdrawals are free, all other withdrawals after are $3/withdrawal) 0.01%

5. RATINGS OF THE INSTITUTIONS Banks: 1. Community Financial 2. Fifth Third Bank 3. Bank of America Checking Accounts: 1. Fifth Third Bank 2. Community Financial 3. Bank of America Saving Accounts: 1. Community Financial 2. Fifth Third Bank 3. Bank of America

6. Current Savings Plan Right now I have a basic savings account at Community Financial. I am invested in a CD. Although I cannot withdrawal money out of my account it will be well worth it in the end when I am able to get interest back. Even though it is not much, it is better than not getting any back. I figure this is the right time to do this because I get weekly allowance and my paycheck so I am not withdrawing much money anyways. I also have a checking account which I am able to withdrawal money from at any time.

7. Saving plan 5 years from now 5 years from now I am hoping to still have my CD running. I will be in graduating from college but hopefully making more money. Thankfully I wont have any student loans to pay off because that is already taken care of. I will continue to have a checking and saving account. 5 years from now is when I need to save all my money and stop spending. I will be things about kids, marriage, pets, retirement and much more. The future is a little bit scary!

8. Saving plan 10 years from now Much of my money in 10 years will be spent on my kids, husband, vacations and retirement. Even though I wont be retiring any time soon I have already started to put money away. I hope to vacation and travel around the world when I retire! That will involve a lot of saving and being smart with my money. I wont have a CD anymore but instead building credit and maintaining my interest.