**Personal Checking**

Interest Checking

Savings

Money Market Savings

Certificates of Deposit

Individual Retirement Accounts

PERSONAL CHECKING ACCOUNT

Minimum balance to open the account - You must deposit $100 to open this account.

Minimum daily balance to avoid imposition of fees - A service fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $500 plus $.15 per debit fee over 15 debits.

**SENIOR CITIZEN ACCOUNT**

Classic Checking

Available to our customers 55 years of age or older.

Minimum balance to open the account - You must deposit $150 to open this account.

Additional Features:

- No monthly service charge if average collected daily balance is $500 and above. A $3.00 monthly fee will apply if average collected daily balance falls below $500.
- Free Personalized Stock Checks
- $5,000 Accidental Death Insurance
- Credit Card Protection
- Safe Deposit Box Discount
- 10% Interest Rebate on on Installment Loans
- NOW Account option available

**NOW ACCOUNT**

NOW accounts are available only to sole proprietorships, non-profit organizations, and governmental units.

Rate information - Your interest rate and annual percentage yield may change.

(Pays the FNB daily stated rate for NOW accounts.)

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded daily. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $1,000 to open this account.

Minimum daily balance to avoid imposition of fees - A service fee of $10.00 will be imposed every statement cycle if the average collected daily balance in the account falls below $1,000.

Plus $.15 debit fee over 15 debits.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum average collected daily balance of $500 to obtain the disclosed annual percentage yield. The average collected daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Average collected daily balance computation method - We use the average collected daily balance method to calculate the interest on your account. This method applies a periodic rate to the average collected daily balance in the account for the period. The average collected daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of interest on non-cash deposits - Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).

**SAVINGS ACCOUNT**

Rate information - Your interest rate and annual percentage yield may change.

(Pays the FNB daily stated rate for Savings Accounts).

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every day. Interest will be credited to your account every quarter.

Minimum balance to open the account - You must deposit $100 to open this account.

Minimum balance to avoid imposition of fees - A service fee of $2.00 will be imposed every month if the balance in the account falls below $100 any day of the month.

Minimum balance to obtain the annual percentage yield disclosed. The average collected daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Average collected daily balance computation method - We use the average collected daily balance method to calculate the interest on your account. This method applies a periodic rate to the average collected daily balance in the account for the period. The average collected daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.

Accrual of interest on non-cash deposits - Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).

Transaction limitations - Transfers from a Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per quarterly statement cycle.

Fees - A withdrawal fee of $2.00 will be charged for each debit transaction (withdrawal, automatic transfer, or payment out of this account) in excess of six during a quarter. This fee will not apply to accounts for minors.

**MONEY MARKET ACCOUNT**

Rate information - Your interest rate and annual percentage yield may change.

(Pays the FNB daily stated rate for Savings Accounts).

Frequency of rate changes - We may change the interest rate on your account at any time.

Determination of rate - At our discretion we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $2,500 to open this account.

Minimum daily balance to avoid imposition of fees - A service fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum average collected daily balance of $2,500 to obtain the disclosed annual percentage yield. The average collected daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Average collected daily balance computation method - We use the average collected daily balance method to calculate the interest on your account. This method applies a periodic rate to the average collected daily balance in the account for the period. The average collected daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of interest on non-cash deposits - Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).

Transaction limitations - Transfers from a Money Market account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per statement cycle with no more than three by check, draft, or similar order to third parties.

Fees - A withdrawal fee of $10.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) in excess of six during a statement cycle.

All depositors are insured for up to $250,000 by the Federal Deposit Insurance Corporation (FDIC).