This disclosure contains information about terms, fees, and interest rates for some of the accounts First Commercial Bank offers.

SCOT FREE ACCOUNT

THIS IS A SPECIAL CHECKING ACCOUNT THAT FEATURES NO SERVICE CHARGES.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A SERVICE CHARGE OF $5.00 WILL BE CHARGED IF YOU WISH TO PICK UP YOUR CANCELLED CHECKS, OR IF YOU WISH YOUR CHECKS TO BE MAILED THERE WILL BE A SERVICE CHARGE OF $6.00.

HOMETOWN CHECKING

THIS ACCOUNT FEATURES NO SERVICE CHARGE, FREE WALLET CHECKS, A $10,000.00 ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE POLICY PLUS MUCH MORE.

Limitations: You must deposit $100.00 to open this account.

Account Fees: PLAN 1=$7.00, PLAN 2=$8.00, PLAN 3= $9.00 (IF OVER AGE 55 FEE IS REDUCED BY 50%).

GOLDEN ADVANTAGE CHECKING

THIS ACCOUNT FEATURES: FREE CHECKS; INFORMATION AND SPECIALS ON TRAVEL; $10,000.00 ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE POLICY AND MUCH MORE.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account AT ANY TIME. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $500.00 to open this account.

Account Fees: IF YOUR BALANCE FALLS BELOW $500.00 ON ANY DAY IN THE MONTHLY STATEMENT CYCLE WE WILL IMPOSE A MONTHLY SERVICE CHARGE OF $5.00 ONCE DURING THE STATMENT CYCLE.

REGULAR CHECKING ACCOUNT

Limitations: You must deposit $100.00 to open this account.

Account Fees: IF YOUR BALANCE FALLS BELOW $500.00 ON ANY DAY IN THE MONTHLY STATEMENT CYCLE WE WILL IMPOSE A MONTHLY SERVICE CHARGE OF $5.00 ONCE DURING THE STATMENT CYCLE.

BUSINESS CHECKING ACCOUNT

Limitations: You must deposit $100.00 to open this account.

Account Fees: IF YOUR BALANCE FALLS BELOW $500.00 ON ANY DAY IN THE MONTHLY STATEMENT CYCLE WE WILL IMPOSE A MONTHLY SERVICE CHARGE OF $5.00 ONCE DURING THE STATMENT CYCLE. THIS ACCOUNT MAY BE SUBJECT TO ACCOUNT ANALYSIS.

NOW ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account AT ANY TIME. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account.

Account Fees: A MONTHLY SERVICE CHARGE OF $10.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE IN THE ACCOUNT FALLS BELOW $1,000.00 ANY DAY OF THE CYCLE.

SUPER NOW ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account AT ANY TIME. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $7,500.00 to open this account.

Account Fees: A MONTHLY SERVICE CHARGE OF $10.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE IN THE ACCOUNT FALLS BELOW $7,500.00 ANY DAY OF THE CYCLE.

MONEY MARKET DEPOSIT ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account AT ANY TIME. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: A MONTHLY SERVICE CHARGE OF $10.00 WILL BE IMPOSED EVERY STATEMENT CYCLE IF THE BALANCE IN THE ACCOUNT FALLS BELOW $1,000.00 ANY DAY OF THE CYCLE.

SAVINGS ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account AT ANY TIME. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited you will not receive the accrued Interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: A SERVICE CHARGE OF $1.00 WILL BE ASSESSED TO YOUR ACCOUNT FOR EACH DEBIT TRANSACTION, WITHDRAWAL, AUTOMATIC TRANSFER OR PAYMENT FROM YOUR ACCOUNT THAT EXCEEDS 9 PER QUARTER. A SERVICE CHARGE OF $3.00 WILL BE IMPOSED EVERY STATMENT CYCLE IF THE BALANCE IN THE ACCOUNT FALLS BELOW $100.00 ANY DAY OF THE CYCLE.

CHRISTMAS CLUB

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account AT ANY TIME. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will not be compounded on the account. Interest will be credited to the account at maturity. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $1.00 to open this account. You may not make withdrawals from your account until the maturity date.

KIDS FIRST SAVINGS ACCOUNT

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account AT ANY TIME. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $10.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

OTHER ACCOUNT FEES

The following fees apply to all of your accounts with us except Certificates of Deposit and Time Deposit Accounts:

  • TELEPHONE BALANCE INQUIRY: $2.00
  • CHECK PRINTING: VARIES DEPENDING ON STYLE ORDERED
  • INSUFFICIENT ITEMS PAID: $30.00
  • INSUFFICIENT ITEMS RETURNED NOT PAID: $30.00
  • SPECIAL STATEMENT CUTOFF: $3.00
  • STATEMENT PRINTOUT: $2.00
  • NOTARY PUBLIC: $2.00 Non-customer
  • ACCOUNT RESEARCH: $5.00 Minimum; $20.00 per hour
  • TELEPHONE TRANSFERS: $2.00
  • STOP PAYMENTS ON ALL ITEMS: $30.00
  • REPLACEMENT OF CHECK/ATM CARD: $8.00
  • REPLACEMENT PIN FOR CHECK/ATM CARDS: $2.00
  • TEMPORARY CHECKS (PACKAGE OF 10): $2.00