DO I QUALIFY FOR AN ADVANTAGE PLUS MONEY MANAGEMENT ACCOUNT?
The Advantage Plus Money Management Account is available to consumers and businesses. Whether you are a current 1ST SUMMIT BANK customer or considering us, this account is for you. Because this account is unique, there is a limit of one Advantage Plus Money Management Account per customer.

HOW IS THE INTEREST DETERMINED?
The interest rate is determined by market conditions and the Bank's cost of funds. Since rates may fluctuate, you will benefit with this adjustable rate account. Interest rate changes and yields will be posted in our offices for your convenience. As with all our investment accounts, rates will be competitive with market yields and conditions.

HOW WILL I RECEIVE MY INTEREST?
Interest payment options are available for both growth and liquidity. Choose the method of interest payment which suits your needs. The interest you earn can be added back into your Advantage Plus Money Management Account to continue earning these high yields. Or, you may prefer a monthly income, with interest automatically transferred into your 1ST SUMMIT BANK Checking, Club, Club Gold, Prime Timers', Insured Money Market or Statement Savings Account. This will enable you to withdraw what you need, as you need it.

WHY IS THE ADVANTAGE PLUS MONEY MANAGEMENT ACCOUNT BETTER THAN A SAVINGS ACCOUNT?
Your Advantage Plus Money Management Account will earn high yielding market rates of interest, higher than a regular savings account. Flexible interest payment options are available. Interest can either be added to your Advantage Plus Money Management Account balance, or become available for monthly income through an automatic interest transfer to another 1ST SUMMIT BANK account. A register and monthly statement showing the current Annual Percentage Yield will be provided so you can keep a running ledger of your account balance at all times.

WHY IS THE ADVANTAGE PLUS MONEY MANAGEMENT ACCOUNT BETTER THAN A CERTIFICATE OF DEPOSIT?
Your Advantage Plus deposits are not tied up in a long term maturity, instead, you can receive high rates of interest and add to this account anytime, unlike a Certificate of Deposit. Additional deposits can be made at any time and there's no limit on how high your balance can go. You can make unlimited "in person" withdrawals from this account.

HOW WILL I KNOW MY ACCOUNT BALANCE?
Statements will be provided quarterly to keep you in touch with your account transactions, balance and Annual Percentage Yield. You can keep a running ledger of your account in your Advantage Plus register which will be provided when your account is opened. Your Advantage Plus balance will be shown each month on your Checking, Club, Club Gold, Prime Timers', Statement Savings or Insured Money Market Account statements.

HOW LIQUID IS MY ADVANTAGE PLUS MONEY MANAGEMENT ACCOUNT?
You can open your Advantage Plus Money Management Account today, begin to earn competitive interest rates, and then withdraw at any time with no delay, no hassles, no penalties*. You have the convenience of making as many "in person" withdrawals as you like. There's no limit! Plus, you're entitled to six third party transfers per statement cycle. Your funds are as close as any 1ST SUMMIT BANK office, your telephone, or a stamp. There's no maturity date, therefore, you have instant liquidity.

* Refer to Disclosure

TAKE ADVANTAGE TODAY!
Build your investment with this unique account. Receive all the benefits of a Savings Account and a Certificate of Deposit. Earn high interest yields, no long term maturity, choice of interest payment options and MORE! Simply call or stop in today at any of our convenient offices. Our Customer Service Representatives will be glad to answer any questions you may have and open your personal Advantage Plus Investment Account. Why wait! This account was developed just for you.

Member FDIC. All rates and yields quoted are on an annual basis
* Refer to current Customer Services Schedule posted in our offices.
Call for more information 814-262-4010.

Please Read This Disclosure