Personal Banking Account - Concordia Bank & Trust Co.

Account Types*	Personal Checking	Diamond Account	Express Checking	Senior Checking	Student Checking	Now Account	Money Market Account
Minimum Opening Deposit	$100.00	$100.00	$100.00	$100.00	$100.00	$1,000.00	$1,000.00
Monthly Service Charge	$7.00	Class I $10,000 AD&D Insurance $10.00 Class II $20,000 AD&D Insurance $12.00	$4.00	No Monthly Service Charge	No Monthly Service Charge	$8.00	$10.00
Minimum Balance to Avoid Monthly Service Charge	$750.00	NONE	NONE	NONE	NONE	$1,500.00	$1,500.00
Paper Statement Fee	$2.00 if ledger balance falls below $750.00	NONE	NONE	NONE	NONE	$2.00 if ledger balance falls below $1,500.00	NONE
Unlimited Check Writing	YES	YES	N/A	YES	YES	$.15 Per Check Fee if ledger balance falls below $500.00	NO
Unlimited Electronic Transactions	YES	YES	YES	YES	YES	N/A	NO
Unlimited Deposits	YES	YES	YES	YES	YES	YES	YES
Interest	NONE	NONE	NONE	NONE	NONE	YES	YES
Online Banking***	FREE	FREE	FREE	FREE	FREE	FREE	FREE
Mobile Banking***	FREE	FREE	FREE	FREE	FREE	FREE	FREE
Mobile Deposit ***	FREE	FREE	FREE	FREE	FREE	FREE	FREE
Initial Debit Card	FREE	FREE	FREE	FREE	FREE	FREE	N/A
E-Statement (with Online Banking)***	FREE	FREE	FREE	FREE	FREE	FREE	FREE
Express Phone Banking***	FREE	FREE	FREE	FREE	FREE	FREE	FREE
Bill Pay***	Available	Available	Available	Available	Available	Available	Not Available
Additional Features		Free Wallet Style Logo Checks $5000 Identity Theft Expense Reimbursement Coverage Security Benefit-Credit Card Registration Insurance Benefit Entertainment Benefit-Entertainment Savers Guide Shopping Benefit-Cash Back Member Rewards Free Photocopy Service (Limits may apply) Up to three (3) Cashier's Checks per month - No Fee Up to three (3) Money Orders per month - No Fee Discounted Fax Services ($5.00 with a maximum of 10 pages) 50% discount Safe Deposit Box Rent (first year)	Method of statement delivery on this account is an E-Statement Electronic Withdrawals Only-No Paper Items Paper Deposits Accepted	Available to Customers 62 and over Limited to one account per customer	Available to Full Time Students Method of statement delivery on this account is an E-Statement Limited to one account per customer		Excess Withdrawal/Transfer Charge - Assessed for each Withdrawal/Transfer over six (6) during the statement period - $5.00

*For All Accounts-See Schedule of Fees for other charges that may be incurred
**The principal sum of 24-hour insurance coverage reduces 50% at age 70 and over. If joint account, coverage is divided equally among all account holders.
***Message, data, and/or internet servicer provider rates may apply, as applicable

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