PSB-FTSB-Merger-Booklet

SAVINGS ACCOUNT OPTIONS

SUPER SAVER ACCOUNT With a Super Saver Account, you can earn interest while keeping your money easily accessible. • Minimum Daily Balance: $50 • Monthly Service Fee: None, unless balance falls below $50, then $1.00 per month • Free printed statement or digital statements • Minimum balance fee waived for students 22 and under ADVANTAGE MONEY MARKET Our Money Market Account offers a higher rate of interest along with the ease of accessibility of your money. With multiple interest rate tiers (see tier graph on page 30 of disclosure referenced below), your earnings increase as your balance grows. • Minimum Daily Balance: $10,000 • Monthly Service Fee: None, unless balance falls below $10,000, then $10 each statement cycle • Free printed statement or digital statements CERTIFICATE OF DEPOSIT All CD interest rates will remain the same until the term comes up for renewal. If your CD is not eligible for renewal, you will receive a separate notification. All other CDs will automatically renew. Notices for CD renewals are mailed 15 days prior to maturity. FTSB currently offers the following CD Terms: 91 days, 182 days, 7 months, 12 months, 18 months, 24 months, 30 months, 36 months, and 48 months.

INDIVIDUAL RETIREMENT ACCOUNTS (IRA) IRAs are the perfect way to help you live the way you want after your working days are over. FTSB offers Traditional, Roth, Simple and SEP IRAs, with investment options of Savings or CDs. IRA statements will be produced annually after your June 27, 2026 statement cut. If you have an IRA account, you will expect to see your next statement in January 2027, with a cut off date of December 31, 2026. Interest will be paid on your IRA as of June 27, and will be paid again at year end. All IRA statements going forward will be produced on an annual basis. HEALTH SAVINGS ACCOUNT If you have a high-deductible healthcare plan, FTSB can accommodate your HSA needs to pay for medical expenses.

For the most up-to-date interest rates and terms, contact any FTSB location.

VISIT US ONLINE www.ftsbbank.bank