All Citizens Security Commercial Checking Accounts Include the following:

• Free VISA Business Checkcard

• Free 24 hour Account Access-Bank by Phone

• Free Internet Banking at www.citizenssecurity.com

• Free Notary Service

• Credit Card Merchant Services

• Statement on CD ROM is available on all commercial accounts

Commercial Checking Accounts

Free Business Checking

• $100 Minimum to Open

• No Monthly Maintenance Fee

• No minimum balance required

• $.98 per credit/debit in excess of 50 per month

• $.14 per item deposited in excess of 50 per month

• Full Price for Printed Checks, Deposit Slips, Endorsement Stamps, etc.

• Internet Bill Pay available

• Monthly Statement

• *$400 Bounce Protection

Economy Business Checking

• $100 Minimum to Open

• $6.95 Monthly Maintenance Fee

• $.98 per credit/debit in excess of 100 per month

• $.14 per item deposited in excess of 100 per month

• Full Price for Printed Checks, Deposit Slips, Endorsement Stamps, etc.

• Internet Bill Pay available

• Monthly Statement

• *$600 Bounce Protection

Business Analysis Checking

• $100 Minimum to Open

• $8.50 Monthly Maintenance Fee

• $.19 per credit/debit

• $.07 per item deposited

• Earnings credit used to offset account fees

• Full Price for Printed Checks, Deposit Slips, Endorsement Stamps, etc.

• Internet Bill Pay available

• Monthly Statement

Commercial Interest-Bearing Checking Accounts

Available to Sole Proprietorships and Non-Profit Organizations

Business Now Checking

• $100 Minimum to Open

• $8.50 Maintenance Fee if minimum balance falls below $1,000

• $.19 per credit/debit if minimum balance falls below $1,000

• $.07 per item deposited if minimum balance falls below $1,000

• Interest accrues daily and paid monthly

• Interest paid on daily collected balances of $1,000 & above

• Full Price for Printed Checks, Deposit Slips, Endorsement Stamps, etc.

• Internet Bill Pay available

• Monthly Statement

*A Bounce Protection Paid Item Fee ($28.00) will be charged each time an item is presented for payment and there are insufficient funds in the account to pay the item but the item is paid within the Bounce Protection balance limit. A Non-Sufficient Funds (NSF) Paid item Fee ($28.00) will be charged each time an item is presented for payment and there are insufficient funds, including the Bounce Protection balance limit, in the account and the item is paid. A Non-Sufficient Funds (NSF) Returned Item Fee ($28.00) will be charged each time an item is presented for payment and there are insufficient funds, including the Bounce Protection balance limit, in the account to pay the item and the item is returned. For purposes of determining these fees, an item is any debit, (check, ATM debit. Point of Sale debit, Automated Clearing House debit, a preauthorized debit, check returned that was deposited to your account, and similar type of items) to your account, excluding service charges and these fees. Customers with Bounce Protection must bring the account to a positive balance within 30 calendar days of the date of an overdraft to avoid suspension or revocation of the Bounce Protection privilege. The bank reserves the right to pay or return any item presented for payment where an account does not have sufficient funds to pay the item.

This information is for marketing purposes only and is not a substitute for full accounts disclosures as defined by the Truth in Savings Act.

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