PERSONAL CHECKING ACCOUNT COMPARISON CHART

	Free Interest- Bearing Checking	Free Checking	Generations Gold®	NOW	Plus	Investment Checking	MAX
Minimum balance	$0.00	$0.00	$0.00	$750.00 and up no fee; $0.00–$749.99 $6.00 + $.35 per debit transaction	(combined deposit account) $2,500.00 and up or combined consumer loan balances of $5,000.00 or more no fee; 0.00–$2,499.99 $15.00 + $.35 per debit transaction	$15,000.00 minimum balance or $30,000 average balance $15.00 + $.50 per debit transaction if the minimum balance is not met	$1,000.00 and up no fee; $0.00–$999.99 $8.00 + $.40 per debit transaction
Service Charge	$0.00	$0.00	$7.95	$6.00 + $.35 per debit transaction	$15.00+$.35 per debit transaction	$15.00+$.50 per debit transaction	$8.00+$.40 debit per transaction
Checkwriting	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Limited
Min. to open	$100.00	$100.00	$100.00	$100.00	$100.00	$15,000.00	$1,000.00
Interest	Yes	No	No	Yes	Yes	Yes	Yes
CheckCard/ATM fees	None	None	None	None	None	None	None
CheckCard usage	Unlimited; min. 10 transactions per month to receive higher APY stated	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Up to six withdrawals or transfers, no more than three of which may be check, draft, debit card, or other similar order
Other benefits or account requirements	Tiered interest rates Credit toward first order of standard checks Must get electronic statements Must have direct deposit or electronic draft	Credit toward first order of standard checks	Credit toward first order of standard checks; free notary service; membership in Generations Gold club	None	Free standard Plus checks or $5.40 discount on custom order; free standard safe deposit box or $40 discount on box of choice; free notary service; Free Travelers checks; reduced fee cashier’s checks; free fi nancial review; free quarterly newsletter; tours, seminars, etc.	Tiered interest rates; complimentary standard checks; quarterly newsletter	Tiered interest rates
Statement	Electronic statement with check imaging	With check imaging	With check imaging	With check imaging	with check imaging	With check imaging	With check imaging
	Effective January 1, 2008. Account structure, features, terms and conditions are subject to change anytime at the Bank’s discretion.