DETERMINATION OF RATE: At our discretion, we may change the interest rate on your account.

FREQUENCY OF RATE CHANGE: We may change the interest rate on your account at any time.

TIERING LEVELS AND THEIR APPLICABLE RATES: The interest rate to be paid on your account will depend on the daily balance in your account. The separate "tiers" that have varying interest rates that apply are:

• If the daily balance in your account is less than $300.00, no interest will be paid on the entire balance in your account.
• If the daily balance in your account is $300.00 or more but less than $25,000.00, the entire balance in your account will earn the approprate interest rate.
• If the daily balance in your account is $25,000.00 or more but less than $100,000.00, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is $100,000.00 or more but less than $200,000.00, the entire balance in your account will earn the appropriate interest rate.
• If the daily balance in your account is $200,000.00 or more, the entire balance in your account will earn the appropriate interest rate.

COMPOUNDING AND CREDITING: Interest will be compounded on a daily basis and credited to your account monthly.

MINIMUM BALANCE REQUIREMENTS:

• TO OPEN THE ACCOUNT: You must deposit $50.00 to open the account.
• TO AVOID THE IMPOSITION OF FEES: A minimum balance fee of $5.00 will be imposed each month the balance in the account falls below $1,000.00 on any day of your monthly statement cycle. This fee is listed as "min bal fee" on the periodic statement.

OTHER FEES:

• EXCESS TRANSACTION FEE: A fee of $5.00 per item will be assessed for each debit transaction in excess of the six allowed with this account. Repeated excess debit transactions could result in account closure. This fee is listed as "excess item" on the periodic statement.
• LOW BALANCE/INACTIVE FEE: A $2.00 monthly fee is assessed after two years inactivity and balance is less than $200.00. This fee is listed as "low bal fee" on the periodic statement.
• EARLY CLOSING FEE: A $20.00 fee is assessed on accounts open for less than six months.

TO OBTAIN THE ANNUAL PERCENTAGE YIELD DISCLOSED: You must maintain a minimum balance of $300.00 in the account each day to obtain the disclosed annual percentage yield.

BALANCE COMPUTATION METHOD: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL OF INTEREST ON NONCASH DEPOSITS: Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

TRANSACTION LIMITATIONS: You may not make more than six third party transfers from your account during a monthly statement cycle, of which no more than three may be made by check, debit card transaction or similar order.

1ST SUMMIT BANK · 125 Donald Lane, Johnstown, PA 15904 · Customer Service: (814)262-4010