CLASSIC PLUS CHECKING
Because we value the banking relationship we have established, you are entitled to a no fee checking account when you maintain one of the following:
      • Direct Deposit
      • A $200 minimum balance
      • $1,500 in a savings and/or CD
      • A Bank of Luxemburg mortgage
      • A personal loan of $10,000 or more
      • An account with Raymond James Financial Services
      • You will receive the following benefits to enhance your account:
            • Complimentary Debit Card
            • No charge for eStatements
            • Complimentary Online Banking
            • Complimentary 24 Hour Telephone Banking

Plus - Earn interest on the entire balance in your account when you maintain the following:
         • A $1,000 minimum balance

If one of the above relationships is not maintained there is a service charge of $5.00 plus $.25 per check/debit during the cycle statement. If the checking account balance falls below the minimum requirement any time during the statement cycle, no interest will be paid.

PREMIER CHECKING
      • Online Banking
      • Bill Pay
      • NO charge for personalized checks
      • NO minimum balance
      • NO limits on check writing
      • NO charge for:
            • Cashier’s Checks
            • Money Orders
            • $10,000 Accidental Death Benefit
            • Saver's Book good for: Shopper's Discounts, Travel Discounts, Grocery Coupons
               and much more!
            • eStatements
            • Debit card
            • 24 Hour Telephone Banking

All available for only $9.00 per month. Family premier is available for just $12.00 per month.

FREE CHECKING
      • Complimentary Debit Card
      • Complimentary Internet Banking
      • Complimentary eStatements
      • Complimentary 24 Hour Telephone Banking
      • Free from a minimum balance requirement
      • Free from monthly service charges

** Two additional accounts must be maintained or a $2,000 minimum balance in a CD to qualify for the Golden DeLUX package.
If the mentioned relationships are not maintained, the account reverts to the Classic Plus Checking Account.

INVESTOR'S CHECKING
The higher the balance, the higher the interest rate.
      • $5,000 to 14,999 earns Good Rate
      • $15,000 to 24,999 earns Better Rate
      • $25,000 to 49,999 earns Best Rate
      • $50,000 or more earns Premium Rate
      • Complimentary Debit Card
      • Complimentary Online Banking
      • Complimentary 24 Hour Telephone Banking

If balance falls below $5,000 during the Statement Cycle there is a service charge of $5.00 plus $0.25 per check/debit.

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 "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository 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.

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