FreedomChecking

No Monthly Service Charge $50.00 Minimum Opening Balance Unlimited Check Writing First box of checks for FREE FREE Debit Card FREE Online Banking and Bill Pay Statement only account (Truncated) Unlimited ATM Withdrawals Bank owned ATM machine No minimum monthly balance

RegularChecking

$50.00 Minimum Opening Balance Unlimited Checking Writing Free Debit Card Free Online Banking and Bill Pay Unlimited ATM Withdrawals Bank owned ATM machine Monthly Service Charge $500.00 or Over- Free Less Than $500.00-$5.00

RelationshipChecking

No Minimum Monthly Balance (in this account) No monthly Service Charge if combined deposit balance (Checking, Savings, CD’s,& IRA’s) are greater than $25,000.00; if less than $25,000.00 - $15.00 $100.00 Minimum Opening balance Add 0.15% to any new Certificate of Deposit purchased with over a 12 month term FREE Ready Reserve – No monthly Fee Invitations to special Bank Outings Free Debit Card Free Online Bank and Bill Pay Unlimited ATM Withdrawals at Bank owned ATM Machine ½ price on Safe Deposit Box rental Free Checks or ½ Price on Custom Checks

PeoplesChecking

$50.00 Minimum Opening Balance Unlimited Check Writing Free PeoplesChecking Checks Reduction of 0.50% on any monthly payment loans paid automatically through checking acct $100 Rebate on closing cost of a first Mortgage with     The Peoples Bank Half Price of Safety Deposit Box Rental $10,000 Accidental Death Insurance ID Safety Service $5,000 ID Theft Insurance Cash Rewards Credit Card Protection Cashier’s Check (3 per month) FREE Debit Card FREE Online Banking and Bill Pay 4 FREE Foreign ATM Withdrawals Monthly Service charge – $7.00

Peoples55Checking

PeoplesChecking at a discounted rate - $5.00 Must be 55 years

Peoples55Checking with Interest

Same benefits as PeoplesChecking and interest rate of         InterestChecking (.040%) Must be 55 years Monthly Membership Fee of $5.00 If balance less than $1,000 - add $10.00 to monthly membership fee

InterestChecking

$50.00 Minimum Opening Balance Monthly Service Charge-     $1,000.00 or Over-FREE     Less than $1,000.00 - $10.00 Unlimited Check Writing Currently 0.40% interest rate

CommunityChecking

$50.00 Minimum Opening Balance $100.00 or Over – FREE      Less than $100.00 - $3.00

BusinessChecking

$100.00 Minimum Opening balance Monthly Service Charge $500.00 or Over – FREE Less than $500.00 - $7.00 (BusinessChecking accounts may be subject to an account analysis charge based on periodic review of your account.)

InvestmentChecking

$2,500 - $5,000  0.40% $5,001  - $10,000 0.65%  $10,001 - $20,000 0.80% $20,001 – over 1.05% No Monthly Fee if Balance over $2,500 $2,500 Minimum Opening balance If balance less than $2,500 - $15.00 Excessive debit charge – $3.00     Limit of six (6) debits, excluding cash withdrawals of which three (3) may be third party debits.

Statement Savings

$50.00 Minimum Opening balance Two (2) Free withdrawal per month $1.00 each thereafter

Christmas Club

$5, $10, $20 Coupon Booklets Pays 0.75% Interest Added Bonus of 0.10%(total of 0.85%) if automatically deducted each week out of and deposited in October into a The Peoples Bank Checking account

Peoples HomeLine

If you need a new car, an addition to your house or any other borrowing needs, the Peoples HomeLine could be the answer for you. A revolving line of credit based upon the equity in your personal residence. The term of the loan is 10 years with flexible payment options. Contact either Jo Ann McClure or Michelle Minton for further information.

PennyWise Plus Savings!

This product allows our customer to save money without any effort. When the customer uses their debit card either as a credit or a debit the customer will be charged the amount of the transaction plus the amount rounded to the next whole dollar. Example: Purchase a candy bar and a drink for $2.58. The customer would see this purchase on their statment as $3.00. The 42 cents would go to their savings account.