Merger Sample Book

Fidelity Money Market Checking Account

Regarding you account ending in -123. Beginning at close of business April 25, 2014, your checking account referenced above will be a Fidelity Money Market Checking account. This account has limited check writing privileges but a competitive interest rate. There is a minimum daily balance requirement of just $2,500.00 to avoid the monthly service fee, and 6 free withdrawals per month. NOTE: Federal regulation limits transfers from this account to another account or to third parties by pre-authorized automatic or telephone transfers to six per statement cycle period, with no more than six transfers by check or similar order to third parties. There is no limit on deposits, or the number of withdrawals the customer can make at the ATM, by mail or in person at Fidelity Bank.

Minimum to Open

$100

Minimum Daily Balance to Avoid Service Charge

$2,500

Monthly Service Charge

$10

$2,500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000 and up

Interest Rate Tier *

Free Withdrawal Fee

6

Excess Withdrawal Fee

$10

However, rest assured that you have a choice. If you prefer to be moved to a different account, you may choose an account that better suits your needs. We will be happy to put you into the account of your choice. We have enclosed a listing of the checking account options we offer on page 9. Each of our checking accounts allows you to avoid the monthly service charge according to certain account requirements. If you choose to stay in the Money Market Checking account there will be no action needed on your part. If you prefer a different account, please let us know. We want to emphasize to you that your relationship with us is very important and we want to continue to providing the exceptional service to which you have become accustomed. Monthly checking statements All First National Bank of Byers checking and savings accounts will have a statement prepared on the night of April 25th. For most customers this will be partial month’s statement. After conversion, you next statement date will be as close to you current statement date as possible. Due to partial statements and our desire to make sure you are in the best account possible, we will waive all accounts’ service charges for 3 statement cycles. Beginning with your 4th statement cycle, standard charging will occur. Convenience Fidelity Bank strives to provide you with convenient ways to manage you accounts and to get help when you need it:

• Online Banking and Bill Pay • e-Statments • Mobile Banking- Text, Web. Apps.

• A staff dedicated to providing outstanding customer service • 24/7 Automated Phone Banking • 6 Branches & 5 ATMs

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www.fidelitybankwf.com