Deposit - Business

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Checking

Commercial Checking

• $100 minimum balance to open
• Account subject to analysis charges based on activity
• Net earning credit to offset service charge
• Imaged Checks with Statement
• Checks viewable with Internet Banking

For more information, please email Peoples Bank & Trust Company

Small Business Checking
Affordable to the small business owner with a defined fee each month.

• $100 minimum balance to open
• $10 monthly service charge
• Monthly service charge waived if average collected balance greater than $5,000
• Per item fees $.25 for each check paid over 50 during statement cycle
• Per item fees $.20 for each check deposited over 50 during statement cycle
• Accessible with ATMor CheckCard(Checkcard subject to credit approval)
• Imaged Checks with Statement
• Checks viewable with Internet Banking

For more information, please email Peoples Bank & Trust Company

Organizational/Non-Profit Checking

• $100 minimum balance to open
• No monthly service charge
• Unlimited checks allowed per month
• Accessible with ATMor CheckCard(Checkcard subject to credit approval)
• Truncated Checks only
• Checks viewable with Internet Banking

For more information, please email Peoples Bank & Trust Company

Savings

Business Statement Savings

• $100 minimum balance to open
• $2.00 service charge if low balance less than $100
• $3.00 item charge for withdrawals in excess of 9 per quarter
• Accessible with ATM

For more information, please email Peoples Bank & Trust Company

Money Market Deposit Accounts
For the commercial customer a way to earn interest but still have the liquidity necessary. A Money Market Deposit Account offers the option to write three checks per month. Don’t let that extra money set idle in your checking account-get paid for it. Our Money Market Deposit Accounts are a great way to compliment any checking account. As long as you maintain the minimum balance no monthly service charge is accessed. Interest rates are tiered so the more money you save, the higher interest rate we pay.

• $2,500 minimum balance to open
• $10.00 monthly charge if low balance less than $2,500
• Limited to a total of 6 pre-authorized debits per month.
• Accessible with ATM
• Imaged Checks with Statement
• Checks viewable with Internet Banking

For more information, please email Peoples Bank & Trust Company

Certificate of Deposits
This account offers competitive rates and terms from 3 to 60 months to fit any of your investment needs. With a minimum deposit of $1,000, start savings today, why wait?