PSB-FTSB-Merger-Booklet

DISCLOSURES

TRUTH-IN-SAVINGS DISCLOSURES FREEDOM CHECKING ACCOUNT

• A minimum balance fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $500.00 daily balance or $1,000.00 average daily balance any day of the cycle. Senior Citizen (age 62 and older) and students (age 22 and under) will be charged a $2.00 minimum balance fee per statement cycle if you do not maintain the minimum balance requirements. • If you do not maintain the minimum balance requirements, a per debit fee of $0.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) during a statement cycle. • Interest bearing • Your interest rate and annual percentage yield may change at our discretion any time. Interest will be compounded every month and credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest. • You must deposit a minimum of $50.00 to open this account. • A minimum balance fee of $1.00 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle. The minimum balance fee of $1.00 will not be imposed for persons age 22 and under. • You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. • Interest bearing • Your interest rate and annual percentage yield may change at our discretion any time. Interest will be compounded every month and credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest. • You must deposit a minimum of $0.01 to open this account. • You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. • Interest bearing • Your interest rate and annual percentage yield may change at our discretion any time. Interest will be compounded every month and credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest. • You must deposit a minimum of $0.01 to open this account. • A minimum balance fee of $10.00 will be imposed every statement cycle if the balance in the accounts falls below $10,000.00 any day of the cycle. • You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage yield. ALL INTEREST-BEARING ACCOUNTS • We use the daily balance method to calculate the interest on your account. This method applies to a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). SUPER SAVER ACCOUNT HEALTH SAVINGS ACCOUNT ADVANTAGE MONEY MARKET ACCOUNT

• Non-interest bearing • Minimum balance $0.01 to open this account. • No monthly minimum balance

• No monthly service charge • Unlimited check writing • Free E-Statement with Online Banking (required for this account)

SPIRIT CHECKING ACCOUNT

• Non-interest bearing • Minimum balance $0.01 to open this account. • A minimum balance fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $200.00 daily balance of $1,000.00 average daily balance any day of the cycle. Senior Citizen (age 62 and older) and students (age 22 and under) will be charged a $2.00 minimum balance fee per statement cycle if you do not maintain the minimum balance requirements. • Fees: a per debit fee of $0.15 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if you do not maintain the minimum balance requirement. • Your interest rate and annual percentage yield may change at our discretion any time. Interest will be compounded every month and credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest. • You must deposit a minimum of $100.00 to open this account. • You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. • Annual donations made to area veterans’ organizations. • First box of specially designed veterans checks free with $5.00 off per box thereafter. • Earn 0.15% above our posted CD rates • No monthly service charge • $5.00 discount on annual fee for safe deposit box • Free identity theft coverage of $5,000.00 per account. * (*The insurance product is not insured by nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other federal government agency of the United States, FTSB, or any affiliate of FTSB.) • Interest bearing • Your interest rate and annual percentage yield may change at our discretion any time. Interest will be compounded every month and credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest. • You must deposit a minimum of $0.01 to open this account. • You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. SUPER NOW ACCOUNT VETERANS HONOR CHECKING ACCOUNT • Interest bearing • This account is for veterans and/or their spouses.

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