Personal Banking Accounts

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Account Name	Gold Discovery	Gold Premium	Gold Benefit (Age 50+)	Gold Reserve*	Gold Savings*	Chairman's Gold*
Monthly Fee	$10	$15	$8	$10	$5	$25
How to Avoid Monthly Fee	$1,500 minimum daily balance or $5,000 combined daily Enrolled as Student**	$2,500 minimum daily balance or $7,500 combined daily	$1,500 minimum daily balance or $5,000 combined daily	$2,500 minimum daily balance	$300 minimum daily balance or under age 18	$25,000 minimum daily balance
Interest	No	Yes (on balances of $2,500 and over)	Yes (on balances of $500 and over)	Yes	Yes	Yes
Minimum Opening Balance	$100	$100	$100	$2,500	$100	$25,000
Unlimited check writing	Yes	Yes	Yes	No	No	No

*6 transactions per month with unlimited in person deposits and cash withdrawals. A $5 fee will apply to each transaction in excess of 6 transfers or withdrawals by means of preauthorized, automatic or telephone transfer, checks, debit card, point-of-sale, or similar order to another account of yours or to a third party during any calendar month or statement cycle of at least four weeks.

** Proof of enrollment in high school or college required to maintain fee waiver. May be requested on an annual basis to maintain fee waiver.

Member FDIC Insured

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