TRUTH-IN-SAVINGS DISCLOSURE

FIRST VALUE CHECKING ACCOUNT

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

Fees: A per item charge of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of 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 payments each $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.