IS THIS ACCOUNT SAFE?
Your Insured Money Market Account is automatically insured by the Federal Deposit Insurance Corporation, an agency of the U.S. Government, to the maximum of $100,000. This is a major advantage in dealing with 1ST SUMMIT BANK. From a security standpoint, your dollars are guaranteed safe.

HOW IS THE INTEREST RATE DETERMINED?
The Insured Money Market Account is sensitive to interest rates in the money markets and earnings will vary in response to changing market conditions. Because there is no federally regulated interest rate ceiling, your account will earn yields based on market conditions and the bank's cost of funds and is competitive with the money market mutual funds. Interest rate changes will be posted in our offices for your convenience.

HOW MUCH CAN I DEPOSIT?
Deposit frequency and amount is unlimited! You can deposit as much as you want and as often as you like after the initial minimum deposit of $50.00. Your account will earn a competitive rate of interest, which is paid monthly, and your Annual Percentage Yield (APY) will appear on a monthly statement. 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 appropriate interest rate and APY.
• 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 and APY.
• 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 and APY.
• 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 and APY.
• A minimum balance fee* will be imposed each month the balance in the account falls below $1,000.00 on any day of your monthly statement cycle.

HOW LONG IS MY MONEY TIED UP?
You have instant access to your money. It is always available to you. There is NO withdrawal penalty. You have the convenience of making as many "in person" withdrawals as you like. There's no limit! Plus, you're entitled to six additional transactions per month. This includes 3 checks and 3 pre-authorized or automatic transfers per month. And you can also use your telephone transfer privileges. Your funds are as close as any 1ST SUMMIT BANK office, your telephone or a stamp. An item fee 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.

HOW LIQUID IS THIS ACCOUNT?
You can open your Insured Money Market Account today, begin to earn competitive interest rates, and then withdraw at any time with no delay, no hassles, no penalties*. There is no maturity date, therefore, you have instant liquidity.

*Refer to current Customer Services Schedule posted in our offices.

DO I QUALIFY?
This account is available to ALL depositors, businesses, individuals, school districts, and organizations, all qualify for the Insured Money Market Account. The list is endless.

THE INSURED MONEY MARKET ACCOUNT
Combines the high earning power of the money markets with the full service and security of personal banking. We offer competitive rates, instant liquidity, easy access, no risk, and low minimum balances. The personalized service and financial expertise are a part of what makes 1ST SUMMIT BANK unique.

Just stop in at any 1ST SUMMIT BANK office to open your Insured Money Market Account. It's easy, convenient and profitable. For more information about the Insured Money Market Account, just call. We will be happy to assist you and to answer any questions you may have.

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