Main Street Checking Disclosure

MAIN STREET CHECKING ACCOUNT
DISCLOSURE OF ACCOUNT TERMS

Please refer to the MAIN STREET CHECKING ACCOUNT BROCHURE for details concerning the many benefits of becoming a MAIN STREET CHECKING member.

The minimum deposit required to open this account is $100.00.

SERVICE CHARGES
MAIN STREET CHECKING 55
_____STANDARD PLAN
No fee will be charged if you maintain a minimum daily balance of $100.00 or more. If your daily balance drops below $100.00 anytime during the statement period, a service charge of $5.00 will be applied.

_____FAMILY PLAN
A fee of $2.00 will be charged if you maintain a minimum daily balance of $100.00 or more. If your daily balance drops below $100.00 anytime during the statement period, a service charge of $7.00 will be applied.

REGULAR MAIN STREET CHECKING
_____STANDARD PLAN
Each statement period that you maintain an average daily balance of $400.00 or more, your service charge will be $4.00. If your average daily balance is below $400.00, your service charge will be $7.50.

_____FAMILY PLAN
Each statement period that you maintain an average daily balance of $400.00 or more, your service charge will be $6.00. If your average daily balance is below $400.00, our service charge will be $9.50.

PERSONALIZED CHECKS
Specialty mint checks printed by Deluxe Check Printers will be supplied to you free of charge. Limit of 400 checks per year. Other checks offered by Deluxe may be purchased at a $5.00 discount of the regular price. Prices will vary depending on style of checks ordered.

OTHER CHARGES THAT MAY APPLY
Return Item Service: $20.00 per check or electronic withdrawal
Overdraft Service: $20.00 per check, in-person withdrawal, ATM withdrawal, or any other electronic withdrawals drawn against insufficient funds.
Stop Payment Charge: $ 20.00 per check
Account Monitoring: $25.00 per month
Money Order Fee:$2.00 per check
Cashiers Check Fee: $4.00 per check
Incoming Wire: Free
Outgoing Wire Fee: $15.00
International Wire Fee: $60.00
Collection Item Fee: $ 20.00 (or actual cost)
Canadian Check: $15.00
Special Statement Request: $ 2.00
Research Fee: $35.00 per hour
Notary Fee: Free
Garnishments or Levies: $25.00
ATM or Debit Card Replacement: $5.00
Cash Management: $5.00 per transfer

We appreciate your business and it is our intention to give you the best possible service. If you have any questions concerning your account, please contact any member of our staff.

************ACCIDENTAL DEATH INSURANCE DISCLOSURE************
Accidental Death Insurance is offered through the company named on the certificate of insurance. Coverage is divided equally among owners of joint accounts. The insurance is: *NOT A DEPOSIT *NOT FDIC-INSURED *NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY *NOT GUARANTEED BY THE BANK *MAY GO DOWN IN VALUE




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		MAIN STREET CHECKING ACCOUNT DISCLOSURE OF ACCOUNT TERMS Please refer to the MAIN STREET CHECKING ACCOUNT BROCHURE for details concerning the many benefits of becoming a MAIN STREET CHECKING member. The minimum deposit required to open this account is $100.00. SERVICE CHARGES MAIN STREET CHECKING 55 _____STANDARD PLAN No fee will be charged if you maintain a minimum daily balance of $100.00 or more. If your daily balance drops below $100.00 anytime during the statement period, a service charge of $5.00 will be applied. _____FAMILY PLAN A fee of $2.00 will be charged if you maintain a minimum daily balance of $100.00 or more. If your daily balance drops below $100.00 anytime during the statement period, a service charge of $7.00 will be applied. REGULAR MAIN STREET CHECKING _____STANDARD PLAN Each statement period that you maintain an average daily balance of $400.00 or more, your service charge will be $4.00. If your average daily balance is below $400.00, your service charge will be $7.50. _____FAMILY PLAN Each statement period that you maintain an average daily balance of $400.00 or more, your service charge will be $6.00. If your average daily balance is below $400.00, our service charge will be $9.50. PERSONALIZED CHECKS Specialty mint checks printed by Deluxe Check Printers will be supplied to you free of charge. Limit of 400 checks per year. Other checks offered by Deluxe may be purchased at a $5.00 discount of the regular price. Prices will vary depending on style of checks ordered. OTHER CHARGES THAT MAY APPLY Return Item Service: $20.00 per check or electronic withdrawal Overdraft Service: $20.00 per check, in-person withdrawal, ATM withdrawal, or any other electronic withdrawals drawn against insufficient funds. Stop Payment Charge: $ 20.00 per check Account Monitoring: $25.00 per month Money Order Fee:$2.00 per check Cashiers Check Fee: $4.00 per check Incoming Wire: Free Outgoing Wire Fee: $15.00 International Wire Fee: $60.00 Collection Item Fee: $ 20.00 (or actual cost) Canadian Check: $15.00 Special Statement Request: $ 2.00 Research Fee: $35.00 per hour Notary Fee: Free Garnishments or Levies: $25.00 ATM or Debit Card Replacement: $5.00 Cash Management: $5.00 per transfer We appreciate your business and it is our intention to give you the best possible service. If you have any questions concerning your account, please contact any member of our staff. **********ACCIDENTAL DEATH INSURANCE DISCLOSURE********** Accidental Death Insurance is offered through the company named on the certificate of insurance. Coverage is divided equally among owners of joint accounts. The insurance is: NOT A DEPOSIT NOT FDIC-INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY THE BANK *MAY GO DOWN IN VALUE