All Personal Checking Accounts Include the following:

• Free VISA checkcard or ATM card

• Free 24 hour Account Access-Bank by Phone

• Free Internet Banking at www.citizenssecurity.com

• Free Notary Service

Personal Checking Accounts

Free Checking

• $100 Minimum to Open

• No monthly service charge

• No minimum balance required

• Unlimited Check Writing

• Monthly Statement (images not included)

• Internet Bill Pay available

• *$300 Bounce Protection

Advantage Checking

A valuable Club account for our customers

• $100 Minimum to Open

• Waived Membership Fee of $9.95 if daily balance of $100 is maintained

• Unlimited Check Writing

• Monthly Statement (images not included)

• First order of basic checks free or 50% discount on Design/duplicate checks

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

• $5,000 Accidental Death/Dismemberment Insurance

• Savers Club Book

• Payment Card Protection, Document Registration Form

• Internet Bill Pay available

• *$400 Bounce Protection

Advantage Plus Checking

All of the Benefits of Advantage Checking PLUS:

• Monthly Statement (images available)

• Free Basic Checks or 50% discount on design/duplicate checks

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

• 5 Free Cashier's Checks/Money Orders per month

• Preferred rate on new installment loans with AFT

• Discount on Mortgage Closing Cost

• $10,000 Accidental Death/Dismemberment Insurance

• Purchase Protection and Extended Warranty

• Prescription Savings Card

• Small Safe Deposit Box-first year free with auto-debit (key deposit applies)

• Free Internet Bill Pay available

• Low monthly membership fee of $7.95

• *$500 Bounce Protection

Horizon Club Checking - 50 or Better!

• $100 Minimum to Open

• Unlimited Check Writing

• Monthly Statement (images available)

• Free Basic Checks or 50% discount on design/duplicate checks

• Interest paid on daily collected balances of $500 and above

• 5 Free Cashier's Checks/Money Orders per month

• Preferred rate on new installment loans with AFT

• Discount on Mortgage Closing Costs

• $10,000 Accidental Death/Dismemberment Insurance

• $150,000 Common Carrier Insurance

• Savers Club Book

• Payment Card Protection, Document Registration Form

• Prescription Savings Card

• Small Safe Deposit Box-first year free with auto-debit (key deposit applies)

• Free Internet Bill Pay available

• Low monthly membership fee of $4.50

• *$400 Bounce Protection

Horizons Club Gold Checking

All the Benefits of Horizons Club Checking PLUS:

• Interest paid on daily collected balances of $500 and above

• $200,000 Common Carrier Insurance

• Purchase Protection and Extended Warranty

• Sojourns Magazine

• Waived Membership Fee of $9.95 if daily balance of $2,000 is maintained or $10,000 total in CD's & /or deposit accounts

• *$500 Bounce Protection

Now Personal Checking

• $100 Minimum to Open

• If minimum balance falls below $1,000:
  $6.95 plus $.14 for credits/debits & items deposited

• Unlimited Check Writing

• Monthly Statement (images available)

• Full Price Printed Checks

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

• *$800 Bounce Protection

Platinum Plus Now Checking

• $100 minimum to open

• If minimum balance falls below $10,000:
  $9.95 plus $.14 for credits/debits & items deposited

• Free Basic Checks or 50% discount on design/duplicate checks

• Interest rate determined by daily collected balances:
  $10,000-$24,999.99
  $25,000-$49,999.99
  $50,000-$99,999.99
  $100,000 & up

• Free Internet Bill Pay available

• *$1,000 Bounce Protection

Platinum Plus Select Checking

• $100 minimum to open

• If average daily balance falls below $5,000: $20.00 monthly fee

• Free Basic Checks or 50% discount on design/duplicate checks

• Interest rate determined by daily collected balances: interest accrued at each tier interest rate:
  $1-$9,999.99
  $10,000-$49,999.99
  $50,000-$99,999.99
  $100,000 & up

• Unlimited Check Writing

• Free Internet Bill Pay available

• *$1,000 Bounce Protection

*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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