EZ Checking Classic Checking Classic Plus Touch of Class

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS


All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "non-interest bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depositary institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

EZ Checking
No monthly service fee
$100 minimum required to open account
No minimum balance required
Monthly e-statement
No interest
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Classic Checking
$100 minimum required to open account
$3.00 per month service charge
A fee of $.15 per check presented for payment
$.10 credit toward service charges for each $100 minimum daily balance maintained (based on lowest balance of the statement cycle)
Monthly statement with images
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Classic Plus
$500 minimum required to open account
Interest compounded and credited to account monthly
Service charge of $10.00 assessed if average daily balance falls below $500
A fee of $.15 for each check paid beyond 25 per month
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Touch of Class
For customers aged 62 and above
No monthly service charge
No interest paid
$100 minimum required to open account
Monthly statement (checks are not included)
Free check blanks if ordered from our special line
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