Senior Accounts

Premier Checking*

• Minimum deposit to open is $50
• Minimum daily balance requirement:

$100 or more	No monthly maintenance fee
Less than $100	$7 monthly maintenance fee

Benefits:

• Personalized checks
• Unlimited check writing
• Interest on checking
• Free MasterCard® Debit Card (subject to credit approval)
• $100,000 Common Carrier AD&D Insurance

*See additional terms for this account

Premier Plus Checking*

Monthly maintenance fee -- $5.00
Receive all benefits of Premier Checking plus these additional benefits:

Financial Benefits:

• No Minimum balance Required
• Discount on Safe Deposit Box Rental (subject to availability)
• Cashiers Checks & Money Orders at no issue fee

Insurance Benefits:

• $10,000 AD & D Insurance
• $150,000 Common Carrier AD & D Insurance
• $1,000 Grandchild AD & D Coverage

Internet Access of Benefits:

• 90-Day Satisfaction Guarantee. If for any reason you are not satisfied with Premier Plus Checking in the first 90 days, the bank will refund your monthly fee and convert your account to Premier Checking.
• All for only $5.00 per month.

PLUS, AS A VALUED PREMIER PLUS CHECKING MEMBER, YOU AR ENTITILED TO RECEIVE THE FOLLOWING BENEFITS AND SERVICES AT NO ADDITIONAL COST:

Security Benefits:

• Credit Card Registration
• Key Tag Return
• Household Inventory Ledger

Travel & Entertainment Benefits:

• Preferred Hotel Savings Guide
• Rental Car Discounts
• Theme Park & Movie Tickets
• Personal Trip Routing

Health Benefits:

• Walk-In Pharmacy Card**
• Emergency Medical ID
• EyeCare & EyeWear**
• Vitamins, Minerals & Herbs

Savings Benefits:

• Discount Long Distance Telephone
• $500.00 Grocery Coupon Book
• Golf Access
• Funds for College
• Flowers, Gifts & Greenery

*See additional terms for this account
**This is a discount program, not an insurance plan
*** Special Program Notes: Accidental Death Insurance is offered through the company named on the certificate of insurance. Coverage is divided equally among joint account holders. The principal sum does not reduce at any age.

*Additional Terms

There are additional terms you may wish to review on Interest Checking, Super Interest Checking, Super Savings, Money Market, Prime Money Market, Premier Checking and Premier Plus Checking.

These terms are listed below:

1. Interest rate and annual percentage yield may change at any time
2. At our discretion, we may change the interest rate on your account


3. If you close your account before interest is credited you will not receive the accrued interest


4. Daily balance method is used to calculate the interest on your account


5. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (e.g. Checks)

Premier and Premier Plus Checking: Must maintain a minimum daily balance of $1,000 to obtain the disclosed annual percentage rate.

Money Market and Prime Money Market Account: Transfers from a Money Market account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six(6) per statement cycle with no more than three(3) by check, draft, or similar order to third parties.