FREE CHECKING ACCOUNT

DISCLOSURES:

¹Perks Checking:  Benefits are not contingent on meeting specific qualifying activity.

The Perks Checking account offers up to an aggregate of $8.00 in reimbursements per statement cycle in foreign ATM fee charges. You will receive reimbursement up to an aggregate total of $8.00 for nationwide ATM withdrawal fees imposed by other financial institutions on your Perks Checking account per statement cycle. Generally, the refund will be credited to your account within two (2) business days after the fee has posted to your account.  ATM fees exceeding the monthly refund limit are the responsibility of the account holder. Please note: ATM fee reimbursements only apply to the Perks Checking account. Advantage Savings transaction fees are not reimbursed, nor refunded.  ATM reimbursements may be tax reportable; please consult your tax advisor. A $10.00 monthly account maintenance fee will be assessed on the Perks Checking account unless the following requirements are met: 1. Maintain an average monthly statement balance of $2,500 or more, and 2. Enroll this account in eStatements.

The average monthly statement balance is calculated by taking the ending balance of each day in the month, divided by the number of days in the month. This figure will be reflective on your monthly Periodic Statement. To enroll in eStatements, you must sign up for Online or Mobile Banking. If required activities listed above are not met, the $10.00 monthly account maintenance fee will be assessed on the 5th day of the following month, or the following available business day. The account maintenance fee will be automatically waived for the first two monthly periodic statement cycles from the date of account opening (e.g. account opening on May 4th will have the fee waived for the month of May and June).

Rate discount of 0.25% offered on Auto Loans and Standard HELOC’s. Borrower must have an automatic payment from the Perks Checking account applied to the Auto Loan in order to receive the discount. Borrower must be an owner on an Perks Checking account to receive discount on the HELOC.

²

Relationship Rewards Checking: Benefits are not contingent on meeting specific qualifying activity.

The Relationship Rewards Checking account offers up to an aggregate of $12.00 in reimbursements per statement cycle in foreign ATM fee charges. You will receive reimbursement up to an aggregate total of $12.00 for nationwide ATM withdrawal fees imposed by other financial institutions on your Relationship Rewards Checking account per statement cycle. Generally, the refund will be credited to your account within two (2) business days after the fee has posted to your account.  ATM fees exceeding the monthly refund limit are the responsibility of the account holder. Please note: ATM fee reimbursements only apply to the Relationship Rewards Checking account. Advantage Savings transaction fees are not reimbursed, nor refunded.  ATM reimbursements may be tax reportable; please consult your tax advisor. A $35.00 monthly account maintenance fee will be assessed on the Relationship Rewards Checking account unless the following requirements are met: 1. Maintain an average monthly statement balance of $7,500 or more, and 2. Have an average monthly “Relationship Balance” of $150,000 or more, and 3. Enroll this account in eStatementsThe average monthly statement balance is calculated by taking the ending balance of each day in the month, divided by the number of days in the month. This figure will be reflective on your monthly Periodic Statement. To enroll in eStatements, you must sign up for Online or Mobile Banking. For the purposes of determining the average monthly “Relationship Balance”: Eligible consumer deposit balances include the average balances of deposit accounts you are listed on as the Primary or Joint owner; Eligible loan balances account for consumer credit only. Eligible loan balances include the outstanding balance of the loans held with us.

If required activities listed above are not met, the $35.00 monthly account maintenance fee will be assessed on the 5th day of the following month, or the following available business day. The account maintenance fee will be automatically waived for the first two monthly periodic statement cycles from the date of account opening (e.g. account opening on May 4th will have the fee waived for the month of May and June)

Fee Waivers: As long as you have an active Relationship Rewards Checking account, the following fee waivers will be offered: Free Money Orders and Cashier’s checks; No fee for incoming wires; Deluxe Check Orders have a 50% discount on all personal style checks (excluding 3 on a page and first order MUST be conducted by Country bank in order for the discount to take effect).

Rate discount of 0.375% offered on Auto Loans and Standard HELOC’s. Borrower must have an automatic payment from the Relationship Rewards Checking account applied to the Auto Loan in order to receive the discount. Borrower must be an owner on an Relationship Rewards Checking account to receive discount on the HELOC.

³ You must deposit $10.00 to open this account. The primary account owner must be 22 years of age or younger. Minors (under the age of 18) will require a parent or guardian to be a joint owner on the account. We will refund an aggregate of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the monthly statement cycle. Generally, the refund will be credited to your account within 2 business days. When the primary account holder reaches the age of 23, the Student Checking account will automatically convert into a checking account, disclosures will be provided at that time. Please note that rates, fees, and balance requirements may vary based on the account available at that time. Must be 18 or older to open online. Limited to one account per SSN/TIN.