TRUTH-IN-SAVINGS DISCLOSURE

FIRST ADVANTAGE CHECKING ACCOUNT
(AVAILABLE TO CUSTOMERS AGE 65 AND OLDER)

Minimum balance to open the account - You must deposit $100.00 to open this account.

COMMON FEATURES
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

Replace lost ATM card $5.00 ATM replacement PIN (personal identification number) $1.00 ATM cash withdrawal at ATMs we do not own or operate $1.00 Check printing (fee depends on style of check ordered) Cashier's checks 1% of amount purchased ($5.00 minimum, $15.00 maximum) Money orders $3.00 Traveler's checks $1.00 per $100.00 Overdraft each overdraft paid $30.00 Nonsufficient funds each $30.00 Temporary statement $5.00 Temporary checks $2.00 Account research $15.00 per hour Stop paymentseach $30.00 Account closed within six months of opening $10.00 Photocopies $1.50 per copy of check or deposit Wire transfers     Outgoing     Incoming noncustomer $15.00 $15.00 Safe deposit box rental varies by size Safe deposit box key replacement (1 key) $150.00 Safe deposit box drilled $250.00

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.