First State Bank - Consumer Checking Details

Account Description	Minimum Opening Balance	Account Benefits	Special Features & Transaction Limits	Monthly Service Charge
Personal Checking	$100.00	Low opening balance and receive images of your checks monthly, free internet banking, overdraft privilege available	No monthly service charge if the required daily balance is maintained No monthly service charge or per check charge if $1,000 or more is maintained in the account.	Daily Balance less than $500.00 = $6.00 Daily Balance less than $400.00 = $7.00 Daily Balance less than $300.00 = $8.00 $0.20 per check over 50 checks
Free Checking	$50.00	No monthly service charge, free internet banking, overdraft privilege available	No monthly service charge No minimum balance required	No monthly charges
50+ Checking (Age 50+)	$100.00	No monthly service charge, receive check images, free internet banking, overdraft privilege available	No monthly service charge	No monthly charges
Main Street Checking	$100.00	22 benefits for one low monthly fee. Receive check images, free internet banking, overdraft privilege available	$10,000 accidental death & dismemberment insurance, $25,000 common carrier accident coverage - free, basic wallet checks - free, basic duplicate checks at a reduced price, wire transfers - free, cashier's checks, money orders and traveler's checks - free, unlimited check writing, one low monthly checking fee, reduced rate on installment loans, discount copy service, 25% discount on safe deposit box, identification card, price guarantee, credit card protection, key ring registration / return service, movie ticket discounts, bonus travel dividends, travel reservation service, discount shopping, auto rental discounts, contact lens discounts, lost luggage locator service	$10.00 fixed monthly charge
Main Street Gold (Age 50+)	$100.00	Enjoy the same benefits as Main Street checking for half the monthly fee. Overdraft priviledge available	Same benefits as Main Street Checking accounts	$5.00 fixed monthly charge
Main Street Now	$100.00	All the benefits of Main Street Checking plus you can earn interest on your account balance	Interest bearing account Same benefits as Main Street Checking accounts	$10.00 fixed monthly charge Average available balance less than $1,500.00 = $10.00 per month, additional
Personal Now	$100.00	Earn interest on your checking account and enjoy unlimited check writing. Receive check images and free internet banking	Interest bearing account No monthly service charge if average available $1,500.00 daily balance is maintained Unlimited withdrawals or checks	No charge if average available balance is $1,500.00 or more Average available balance less than $1,500.00 = $10.00 per month
First State Checking Advantage	$5,000.00 In Combined Accounts	Enjoy 11 account benefits without a service charge	Interest bearing account, no monthly service charge if a minimum combined balance is maintaned, unlimited check writing, no monthly ATM fee, wallet checks - free, basic duplicate checks - reduced price, 25% discount on safe deposit box, notary service - free, cashier's checks, money orders & traveler's checks - free, first state update transfers - free, reduced rate on installment loans 1/2% (with auto debit only)	No charge if combined balance is $5,000 or more $10.00 per month service charge if combined balance falls below $5,000