(CIP) Notice Customer Identification Program

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Our Checking & Savings accounts are the most basic component in your financial management program. Our checking accounts offer a convenient, secure way to pay expenses with a permanent record of all payments, whether using paper checks, or check debit process or electronic transfers. Your Checking & Savings account is the beginning on the road to money management.

Peoples Choice:

No Minimum balance required.

No service fee.

First 50 checks Free.

Unlimited ACH or ATM activity.

Standard Checking:

Images with each statement.

Flat service charge of $1.00 per cycle.

Service charge of $.15 per debit per cycle.

Service charge credit of $.40 per $100.00 minimum

cycle balance.

Now Account:

Minimum balance of $750.00

Safekeeping of checks.

Monthly fee if 30 or more withdrawals.

Overdraft protection available.

Monthly maintenance fee if balance falls below minimum.

Hi-Fi Money Market :

Deposit of $2,500.00 to open.

Minimum Balance Fee of $5.00

if balance falls below $2,500.00 per cycle.

Minimum withdrawl is $250.00.

Debit charge of $.25 per debit in excess of 6 per cycle.

Savings Acounts

Savings accounts:

Earn interest on your savings.

If balance is below $50.00, a fee of $.50 per month will be charged per calendar

month.

After six months of no activity, $2.00 dormant account fee.

Debit charge of $1.00 each in excess of five withdrawals per calendar month.

Student Savings Account:

Students can earn interest on their savings.

No minimum balance.

Six transfers allowed each statement cycle.

Treasure Cove Kids Club:

Gus the Goldfish will help you save.

Planned activites throughout the year.

No minimum balance.

With each deposit, pick a treasure from the box.