• Unlimited check writing
• Check images will be returned with monthly statement
• A $3.00 service charge per statement cycle is deducted each month if the balance falls below $300.00 any day of the month
• You must deposit $25.00 to open an account
• Transactions and inquiries at National Bank ATM locations are free. National Bank charges $1.50 for withdrawals and inquiries at non-National Bank ATM locations
• Check and deposit ticket printing fee varies according to style ordered

NOW Checking

• A $5.00 service charge per statement cycle is deducted each month if the balance falls below $500.00 any day of the month
• The interest rate for a NOW account as of February 3, 2010 is 0.04% with an annual percentage yield of 0.04%. If the average daily balance is $2,500 or more, the interest rate paid on the entire balance of a NOW account as of February 3, 2010 is 0.07% with an annual percentage yield of 0.07%
• Your interest rate and annual percentage yield may change at our discretion
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year
• Interest on your account will be compounded and credited to your account on a monthly basis, as of your statement cycle date. Interest begins to accrue on the first business day of your deposit
• If you close your account in person or in writing before interest is credited, you will receive the accrued interest. You must deposit $25.00 to open an account.
• Transactions and inquiries at National Bank ATM locations are free. National Bank charges $1.50 for withdrawals and inquiries at non-National Bank ATM locations.
• Check and deposit ticket printing fee varies according to style ordered.

Checking PLUS

• No minimum monthly balance requirement.
• A $6.00 membership fee is deducted each month.
• Basic style checks are furnished at no charge.
• Transactions and inquiries at National Bank ATM locations are free. National Bank charges $1.50 for withdrawals and inquiries at non-National Bank ATM locations.

PRIMEline Checking

• PRIMEline is offered to individuals 50 years or older.
• No minimum monthly balance requirement.
• The interest rate for a PRIMEline account as of February 3, 2010 is 0.04% with an annual percentage yield of 0.04%.
• The interest rate and annual percentage yield may change at our discretion.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year
• Interest on your account will be compounded and credited to your account on a monthly basis, as of your statement cycle date. Interest begins to accrue on the first business day of your deposit.
• If you close your account in person or in writing before interest is credited, you will receive the accrued interest.
  You must deposit $1.00 to open an account.
• Transactions and inquiries at National Bank ATM locations are free. National Bank charges $1.50 for withdrawals and inquiries at non-National Bank ATM locations.
• Check and deposit ticket printing fee varies according to style ordered. Basic style checks are furnished at no charge.

Business Checking

• Unlimited check writing.
• Check images may be returned to customer or truncated at bank.
• A $4.00 service charge per statement cycle is deducted each month if the balance falls below $400.00 any day of the month.
• You must deposit $25.00 to open an account.
• Analysis will be conducted on all accounts and management will determine when analysis fees are required
• Transactions and inquiries at National Bank ATM locations are free. National Bank charges $1.50 for withdrawals and inquiries at non-National Bank ATM locations.
• Check and deposit ticket printing fee varies according to style ordered.

Statement Savings

• A $2.00 monthly minimum balance fee is deducted if the balance falls below $100.00 any day of the month.
• The monthly minimum balance fee is waived for minor accounts (principal owner under 18 years of age).
• The interest rate for a Statement Savings account as of February 3, 2010 is 0.08% with an annual percentage yield of 0.08%.
• The interest rate and annual percentage yield may change at our discretion.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year.
• Interest on your account will be compounded and credited to your account on a quarterly basis. Interest begins to accrue on the first business day of your deposit.
• You may make no more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle (or similar period) of at least four (4) weeks, to another of your accounts (including a transaction account) with us or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by you and payable to third parties. These limitations are defined by federal regulations, and we are required to take action if you exceed the number of transfers or withdrawals allowed.
• We reserve the right to require seven (7) days prior notice in writing to withdraw any or all or your balance from your Statement Savings account.
• If you close your account in person or in writing before interest is credited, you will receive the accrued interest.
• You must deposit a minimum of $25 to open an account. This minimum is waived for a minor account.
• Transactions and inquiries at National Bank ATM locations are free. National Bank charges $1.50 for withdrawals and inquiries at non-National Bank ATM locations.

Holiday Club

• The club year ends on the last business day of October and the funds are disbursed by check or by automatically crediting another National Bank account.
• If the account is closed before the end of the club year, there is an account-closing fee of $5.00.
• The interest rate for a Holiday Club account as of February 3, 2010 is 0.05% with an annual percentage yield of 0.05%.
• The interest rate and annual percentage yield may change at our discretion.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year.
• Interest on your account will be paid at the end of the club year and credited to your account as of the last day of October. Interest begins to accrue on the first business day of your deposit.
• You may not make withdrawals other than a closing withdrawal from your Holiday Club Account.
• We reserve the right to require seven (7) days prior notice in writing to withdraw the balance from the Holiday Club account.
• If you close your account before the end of the club year, you will not receive the accrued interest.
• You must deposit a minimum of $1.00 to open an account.
  

Money Market Deposit Account

• A $5.00 service charge per statement cycle is deducted each month if the balance falls below $500.00 any day of the month.
• This account features tiered interst rates. The interest rates and APY's as of February 3, 2010:
  
  

  Daily Balance	Annual Percentage Yield (APY)	Interest Rate
  0-$9,999.99	0.10%	0.10%
  $10,000.00-$24,999.99	0.15%	0.15%
  $25,000.00-$49,999.99	0.22%	0.22%
  $50,000.00-$99,999.99	0.45%	0.45%
  $100,000.00 +	0.57%	0.57%

  
  
• Your interest rate and annual percentage yield may change at our discretion.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year.
• Interest on your account will be compounded and credited to your account on the last day of each month or on your combined cycle date. Interest begins to accrue on the first business day of your deposit.
• You may make no more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle (or similar period) of at least four (4) weeks, to another of your accounts (including a transaction account) with us or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by you and payable to third parties. These limitations are defined by federal regulations, and we are required to take action if you exceed the number of transfers or withdrawals allowed.
• We reserve the right to require seven (7) days prior notice in writing to withdraw any or all of your balance from your Money Market Deposit Account.
• If you close your account in person or in writing before interest is credited, you will receive the accrued interest.
• You must deposit a minimum of $1,000.00 to open an account.
• Transactions and inquiries at National Bank ATM locations are free. National Bank charges $1.50 for withdrawals and inquiries at non-National Bank ATM locations.

Business Money Market Deposit Account

• A $5.00 service charge per statement cycle is deducted each month if the balance falls below $500.00 any day of the month.
• This account features tiered interst rates. The interest rates and APY's as of February 3, 2010:
  
  

  Daily Balance	Annual Percentage Yield (APY)	Interest Rate
  0-$9,999.99	0.12%	0.12%
  $10,000.00-$24,999.99	0.22%	0.22%
  $25,000.00-$49,999.99	0.35%	0.35%
  $50,000.00-$99,999.99	0.52%	0.52%
  $100,000.00 +	0.65%	0.65%

  
  
• Your interest rate and annual percentage yield may change at our discretion.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 for each day in the year.
• Interest on your account will be compounded and credited to your account on the last day of each month or on your combined cycle date. Interest begins to accrue on the first business day of your deposit.
• You may make no more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle (or similar period) of at least four (4) weeks, to another of your accounts (including a transaction account) with us or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by you and payable to third parties. These limitations are defined by federal regulations, and we are required to take action if you exceed the number of transfers or withdrawals allowed.
• We reserve the right to require seven (7) days prior notice in writing to withdraw any or all of your balance from your Money Market Deposit Account.
• If you close your account in person or in writing before interest is credited, you will receive the accrued interest.
• You must deposit a minimum of $2,500.00 to open an account.
• Transactions and inquiries at National Bank ATM locations are free. National Bank charges $1.50 for withdrawals and inquiries at non-National Bank ATM locations.

Certificates of Deposit

• Renewable Certificates of Deposit automatically reinvest at maturity for a successive maturity term equal in length to the original term of the certificate. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being subject to an early withdrawal penalty. Renewable certificates reinvest at the interest rate available at the time of renewal for the term of the original certificate.
• Nonrenewable Certificates of Deposit do not reinvest automatically at maturity and cease to earn interest as of the maturity date.
• No Penalty Certificates of Deposit may renew automatically at maturity, subject to the terms of our renewal policy. Penalty-free withdrawals are subject to our transaction limitations.
• The interest rate and annual percentage yield as of February 3, 2010 are outlined below:
  
  

  Term	Annual Percentage Yield (APY)	Interest Rate
  90 days	0.25%	0.25%
  6 months	0.55%	0.55%
  12 month- no penalty	0.65%	0.65%
  12 months	0.90%	0.90%
  18 months	1.02%	1.02%
  24 months	1.10%	1.09%
  36 months	1.30%	1.29%
  48 months	1.50%	1.49%
  60 months	1.78%	1.77%

• The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
• The daily balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the certificate each day. We will use an interest accrual basis of 365 for each day in the year.
• Interest begins to accrue on the first business day of your deposit. If you redeem or withdraw from your certificate before interest is credited, you will receive the accrued interest on the amount withdrawn.
• Interest will be compounded monthly. You may elect to have interest credited to a checking or savings account or to receive a check as payment.
• Interest paid at maturity on 90 day and 6 month terms; all others paid monthly.
• Minimum deposit is $2,500 on 90 day CD; $500 on all other terms.
• You may not make any additional deposits to your certificate. You may withdraw compounded interest from your certificate without penalty at any time up to maturity; however, this will reduce your annual percentage yield. You are allowed one withdrawal of principal from your certificate during each maturity term, subject to the early withdrawal penalty applicable to your certificate. If your No Penalty certificate has been on deposit at least seven (7) calendar days, you may make a one time withdrawal of the original amount prior to maturity without penalty.
• If the maturity term of the certificate is one year or less and you withdraw any principal before the end of the maturity term, you must pay a penalty equal to one month's interest earned or that could have been earned on the amount withdrawn.
• If the certificate is a No Penalty, it is not subject to a penalty on the first withdrawal of funds which have been on deposit at least seven (7) calendar days within the initial maturity period. Withdrawals within the first six (6) days of deposit or any withdrawals subsequent to the penalty-free withdrawal, are subject to a penalty based on the stated maturity term.
• If the maturity term of your certificate is more than one year and you withdraw any principal before the end of the maturity term, you must pay a penalty equal to three month's interest earned or that could have been earned on the amount withdrawn.
  
• A penalty is not assessed if any owner of a certificate dies or is declared to be mentally incompetent.

Internet Banking

Internet Banking is free of charge. If there is no activity on your Internet Banking account for a continuous period of 6 months or more, we reserve the right to deactivate your account. You may reapply for Internet Banking at any time, if your account is deactivated.