Certificates of Deposit
A.P.Y. compounded semi-annually Penalty for early withdrawal	Minimum	Rate	A.P.Y.
6 Month	$2500	0.36%	0.36%
12 Month	$500	0.76%	0.76%
18 Month	$500	0.86%	0.86%
24 Month	$500	1.06%	1.06%
30 Month - Step Up CD	$500	1.26%	1.26%
36 Month	$500	1.55%	1.56%
42 Month	$500	1.50%	1.51%
48 Month	$500	1.75%	1.76%
60 Month	$500	2.10%	2.11%

Individual Retirement Accounts
A.P.Y. compounded semi-annually Penalty for early withdrawal if not of age	Minimum	Rate	A.P.Y.
18 Month IRA	$100	1.75%	1.76%
42 Month IRA	$100	2.10%	2.11%
Variable IRA - A.P.Y. compounded daily	$25	2.00%	2.02%

The Club and Primetimer's Club Checking Accounts
A.P.Y. compounded daily Variable rate	Rate	A.P.Y.
$300 - $4,999.99 balances	0.81%	0.81%
$5,000 and over balances	0.96%	0.96%

Savings Accounts
A.P.Y. compounded daily Variable rate	Rate	A.P.Y.
$50 - $24,999.99 balances	0.76%	0.76%
$25,000 and over balances	0.91%	0.91%

Insured Money Market Accounts
A.P.Y. compounded daily Variable rate	Rate	A.P.Y.
$300 - $24,999.99 balances	0.76%	0.76%
$25,000 - $99,999.99 balances	0.81%	0.81%
$100,000 - $199,999.99 balances	0.91%	0.91%
$200,000 and over balances	0.96%	0.96%

LIFE IMPROVEMENT LOANS^®

Residential Mortgage Loans
Contingent approval within 24 hours Monthly payments tailored to meet your needs We specialize in Home Construction Loans (Contractor or self-built) Competitive terms and rates available Escrow service available for paying your real estate taxes and/or homeowners insurance The 15 and 30 year fixed rates are available for secondary market transactions (loans to be sold into the secondary market) only. Other rates and terms are available for loans maintained by the bank (loans not sold into the secondary market.)	A.P.R	Points
Fixed Rate 15 years	3.625%	0
Fixed Rate 30 years	4.375%	0
One year adjustable rate	3.50%	0
Other terms and rates available. For more information call (814) 262-4060.

Fixed Rate Home Equity Loans
No annual fees 24 hour approval .25% discount with automatic payments from a 1ST SUMMIT BANK checking account. Dwelling must be owner occupied	A.P.R.
120 Months	5.24%

Auto Loans (60 months)
.25% discount with automatic payments from a 1ST SUMMIT BANK checking account. Fixed A.P.R. Monthly payment to meet your needs	A.P.R.
New Auto	(Promotional rate) 3.49%
Used Auto	(Promotional rate) 4.74%
Visa ® Rewards Card, home equity lines of credit, unsecured lines of credit, and personal loans are also available. For more information, call (814) 262-4060.

Rates are subject to change and are provided for informational purposes only. Rate is available with a minimum F.I.C.O. credit score of 685 to qualify. Rates and terms are subject to borrower qualifications. Other terms and rates available as well.

The above terms A.P.Y. and A.P.R. represent Annual Percentage Yield and Annual Percentage Rate respectively.