Interest on Checking
  Your checking account will earn interest every day on the full amount of principal when you maintain a $300 minimum balance. Earn a higher rate of interest when your balance is $5,000 or more. Ask us for details.

Personalized Checks
  Receive personally imprinted checks. Your special member checks will be personalized with your name and address at no extra cost. Plus, you will receive $5.50 credit for each order.

$10,000 24-Hour Accidental Death and $20,000 Scheduled Airline Insurance
  As a Basic Plan member, you'll receive $10,000 in Accidental Death Insurance 24 hours a day. Your Accidental Death Coverage increases to $20,000 while traveling as a passenger on a Scheduled Airline.

Local Merchant Discounts
  Take advantage of money-saving discounts from over 150 participating local merchants. Discounts on fashions and accessories, recreation, hair care, dining, fast foods, home needs, car care and many others. They are valid all year, and they are worth hundreds of dollars. Click for savings in your area:

Metro Johnstown Area	Forest Hills/Mainline Area
Somerset Area	Indiana Area
Altoona Area	Greensburg Area

Credit Card Protection
  When your credit, ATM and check cards are registered, just call the toll-free 24-hour number to report a loss or theft, and all your card issuers will be notified for you. You'll also receive protection against any liability on every registered card.

Emergency Cash Advance Service
  Get cash in emergencies with your MasterCard, or VISA. You can get up to $500 on your available cash advance limit at a generously discounted fee at over 15,000 locations coast to coast. Most are open around the clock.

Travelers Cheques at No Issue Charge
  This secure, convenient instrument is available to you at no charge.

Buyers Advantage(R) -- Two Benefits in One   90 Day Purchase Replacement -- Protects items in case of theft, loss or damage for the first 90 days. Extended Warranty-- Extends original warranties up to an additional year. Some restrictions apply. You will receive a detailed explanation.

Key Ring Protection
  Help to retrieve lost keys. With your personally registered key ring, your lost keys can be dropped in any mailbox and returned to you ... at no additional charge.

Nationwide Discount Book
  Save 50% at over 2,000 participating lodging properties from coast to coast, and up to 20% on vacation dining nationwide. Plus, you'll find discount offers from theme parks and car rental companies. You can receive a new bargain-filled Savers Club(R) Discount Book every year.

24-Hour Banking   ATM -- Banking made easy ... 24-hour banking card. All your transactions are safe and confidential. Keep a balance of $2,500 or more and have no-charge access to any Automated Teller Machine affiliated with our system. No more foreign ATM usage fees.

Direct Deposit of Social Security and Payroll Checks
  Enjoy the convenience. For immediate access to your money, you can authorize the Treasury and your employer to deposit your checks directly into your account.

Sojourns(R) Magazine Subscription
  Whether you're a serious traveler, or you prefer to enjoy America's beauty from the comfort of an easy chair, vivid color photography and in-depth travel stories will satisfy your wanderlust. You can receive the latest issue in the mail twice a year.

Reduced Rate on Installment Loans and Home Equity Lines   With your Club account, you are entitled to receive a special discount on the rate of interest you pay on your installment loan of $1,500 or more, when your monthly payment is automatically deducted from a 1ST SUMMIT BANK checking account.

Financial Counseling
  Need expert advice concerning your investments and finances? Our Personal Bankers are available to help you make the best decisions. This service is not FDIC insured, is not a deposit or obligation of and is not guaranteed by the financial institution. The value of investment products may fluctuate, the rate of return is not guaranteed, and loss of principal invested is possible.

VISA®
  Apply for this easy to use credit card which is accepted worldwide. It is a versatile, secure and protected payment option for all of your purchases. Plus you may be "rewarded" just for using it. Click here to learn about the benefits offered with this one great credit card.

Discounted Service Fees   Receive two Treasurer's checks and money orders at no charge per month. Take advantage -- ten photocopies per month at no charge and reduced fee for additional pages. Service fees waived for notary service, safekeeping of your will and VISA/MasterCard cash advance. Plus, receive a Club identification card, unlimited access to your safe deposit box, automatic transfers to your other 1st Summit Bank accounts or to make loan payments. CONGRATULATIONS! We will add $5 to your initial deposit when you open a savings account for new babies born to Club members.