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4 Personal Banking Services Personal Offerings Senior Offerings Student Value Interest Checking Money Market Regular Savings Minor Savings 4 Business Banking Services Business Offerings Interest Checking Not-For-Profit Money Market Business Savings 4 Other Banking Services Mortgage Services ATM Cards & Services CD's & IRA's Redi-Line Home Equity Loan Safe Deposit Boxes Visa Debit Cards Check Imaging & CD-ROM Business Banking Services Interest Checking (NOW account) Required Opening Deposit $1,000 Minimum Balance $2,500 minimum daily balance to avoid fees Fees $12.50 monthly balance requirement fee, plus $0.20 per debit Interest Interest Bearing (see rate chart for current rate) Other Information Available only to qualified proprietorships and not-for-profit associations Free Online Banking - 24 hours a day, 7 days a week Free Online Billpay for 90 days Image Statement

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