Personal Account Comparison   VIP Checking Personal Checking Senior Checking Student Checking Personal Money Market Personal Savings Youth Savings Opening Deposit $25,000.00 $100.00 $100.00 $50.00 $2500.00 $100.00 $25.00 Monthly Maintenance Fee* Less than $25,000 - $25 Less than $100-$7.50 $100- 249 - $6.50 $250-499 -$5.00 $500 or more - No Fee Less than $500-$5.00 $500 or more - No Fee $2.00 $0-$2,499 - $7.40 $2,500 or more - No Fee Less Than $200 - $2.00 Over $200 - No Fee or Fee waived if $2,500 or more in other deposit accounts (not including CD's) Less than $25 - $2.00 Free Checks Unlimited Free Checks (Select Style) First 200 Free (Selected Styles) Free Bank Safety Check Free Starter Kit Free Starter Kit - - - - Account Statements Monthly Paper or Email Statements Monthly Paper or Email Statements Monthly Paper or Email Statements Monthly Paper or Email Statements Monthly Paper or Email Statements Quarterly Statements unless combined with other deposit account Quarterly Statements unless combined with other deposit account Check Images Free Free Free Free Free - - - - Debit Card Free Visa Check Card Free Visa Check Card Free Visa Check Card Free Visa Check Card Free Visa Check Card - - - - Debit Card Fees Waive up to $25.00 in foreign Debit Card fees Waive up to $8.00 in foreign Debit Card fees Waive up to $8.00 in foreign Debit Card fees Waive up to $8.00 in foreign Debit Card fees Waive up to $8.00 in foreign Debit Card fees - - - - Bill Pay Free $6.50 monthly for up to 12 transactions. Over 12 monthly is $.35 each. $6.50 monthly for up to 12 transactions. Over 12 monthly is $.35 each. $6.50 monthly for up to 12 transactions. Over 12 monthly is $.35 each. - - - - - - Miscellaneous AMEX travelers cheques for "1" Free - - - - - - - - - - - - Monthly Transaction Limitations Unlimited Unlimited Unlimited 10 withdrawals permitted. Over 10 - $1.00 per item 6 withdrawals allowed, of which 3 may be checks. Over 6 withdrawals or over 3 checks - $5.40 per item 6 withdrawals permitted. Over 6 - $1.00 per item 6 withdrawals permitted. Over 6 - $1.00 per item Overdraft Protection Available - applicants must qualify under Bank's Consumer Underwriting Guidelines Available - applicants must qualify under Bank's Consumer Underwriting Guidelines Not Available Available - applicants must qualify under Bank's Consumer Underwriting Guidelines - - - - - - Interest Tiers** $25,000-49,999 $50,000-99,999 $100,000-149,999 $150,000-199,999 $200,000 – 399,999 $400,000 or more $0-999 $1000-2499 $2,500-or more $0-999 $1000-2499 $2,500-or more $0-999 $1000-2499 $2,500-or more 0-$2,499 $2,500-$9,999 $10,000-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$149,999 $150,000-$199,999 $200,000-$749,999 $750,000 or more $0-999 $1000-2499 $2,500-or more $0-999 $1000-2499 $2,500-or more * Monthly maintenance fee based on average ledger balance. ** Interest based on daily collected balance. See interest rate chart for current rates.

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