TRUTH-IN-SAVINGS DISCLOSURE

GRAND CENTRAL ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account daily.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $100 to open this account.

Minimum balance to avoid imposition of fees - A monthly maintenance fee of $12 will be imposed each statement cycle if the average daily ledger balance for the statement cycle falls below $1,200. The average daily ledger balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Additional terms - No fees on traveler's checks, official checks, or money orders. A special wallet style check will be provided with this account. Any other style of check ordered from Deluxe will receive a 20% discount.

PRIME TIME CLUB ACCOUNT
(Age 50 or above)

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account daily.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $100 to open this account.

Minimum balance to avoid imposition of fees - A maintenance fee of $10 will be imposed every statement cycle if the balance in the account falls below $100 any day of the cycle.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Additional terms - No fees on traveler's checks, official checks, or money orders. A special wallet style check will be provided with this account. Any other style of check ordered from Deluxe will receive a 20% discount.

CENTRAL CLUB ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account daily.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $100 to open this account.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Additional terms - The following additional terms apply to this account: A $6 membership charge will be assessed to the account monthly. No fees on traveler's checks, official checks or money orders. A 3x5 safe deposit box rent-free for one year (new rentals only). A special wallet style check will be provided with this account. Any other style of check ordered from Deluxe will receive a 20% discount.

FREE CHECKING ACCOUNT

Minimum balance to open the account - You must deposit $100 to open this account.

CENTRAL SAVINGS ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account daily.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every quarter. Interest will be credited to your account every quarter.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $100 to open this account.

Minimum balance to avoid imposition of fees - A monthly maintenance fee of $3 will be imposed every month if the balance in the account falls below $50 any day of the month. On a minor's savings account, the monthly maintenance fee will be waived until the minor's 18th birthday.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Limitations on frequency of transfers - No more that 6 (six) withdrawals or transfers can be made during any statement cycle of at least four weeks.  A "withdrawal" or "transfer" may be by means of a preauthorized, automatic transfer (ACH), telephone order, online transfer or phone central transfer.  An unlimited number of withdrawals or transfers may be made in person or ATM. If the transfer limitations set forth above in any statement period are exceeded, the account will be subject to closure by the bank.

Fees: An excess withdrawal fee of $1 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three during a month.

MARKETIER ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account daily.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $2,500 to open this account.

Minimum balance to avoid imposition of fees - A monthly maintenance fee of $15 will be imposed every statement cycle if the balance in the account falls below $2,500 any day of the cycle.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Limitations on frequency of transfers - No more than 6 (six) withdrawals or transfers can be made during any statement cycle of at least four weeks. A "withdrawal" or "transfer" may be by means of a preauthorized, automatic transfer (ACH), telephone order, online transfer, phone central transfer, check, draft, debit card (if applicable), or similar order.  An unlimited number of withdrawals or transfers may be made in person or ATM. If the transfer limitations set forth above in any statement period are exceeded, the account will be subject to closure by the bank.

Fees and Charges - The following fees and charges apply to this account:

• Excessive Non-Qualifying Transactions Fee: A $10.00 per item fee will be imposed for any excessive non-qualifying transactions. Non-qualifying transactions include any transaction other than ATM or in person above the 6 (six) withdrawals or transfers allowed per statement cycle.

CERTIFICATE OF DEPOSIT AND IRA CERTIFICATE OF DEPOSIT

Rate Information - Certificate of Deposit rates and annual percentage yields for various terms may be found under Internet Deposit Rates.

Compounding frequency - Unless otherwise paid, interest will be compounded semiannually.

Crediting frequency - Interest will be credited to your account semiannually. Alternatively, you may choose to have interest paid to you by check or to another account quarterly or semiannually (or monthly if your CD is for $5,000 or more) rather than credited to this account.

Minimum balance to open the account - You must deposit $2,500 (for 182-364 Day CDs), $1,000 (for 12-23 Month CDs), or $500 (for 24-60 Month CDs) to open this account.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $2,500 (for 182-364 Day CDs), $1,000 (for 12-23 Month CDs), or $500 (for 24-60 Month CDs) in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:

You may not make any deposits into your account before maturity.

You may not make withdrawals of principal from your account before maturity.

You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)

• If your account has an original maturity of 23 months or less:
  The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of 24 months or more:
  The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

You will have ten calendar days after maturity to withdraw the funds without a penalty.

30 DAY CERTIFICATE OF DEPOSIT
(Premium Growth)

Rate Information - Certificate of Deposit rates and annual percentage yields for various terms may be found under Internet Deposit Rates.

Compounding frequency - Interest will not be compounded.

Crediting frequency - Interest will be credited to your account at maturity.

Minimum balance to open the account - You must deposit $10,000 to open this account.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $10,000 in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations:

There are no limitations on the frequency or timing of additional deposits. The minimum amount you can deposit is $2,500.

You may not make withdrawals of principal from your account before maturity.

You cannot withdraw interest from your account before maturity.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity)

The fee we may impose will equal one month interest on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. If you prevent renewal, interest will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.

You will have ten calendar days after maturity to withdraw the funds without a penalty.

HEALTH SAVINGS ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate on your account daily.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $100 to open this account.

Minimum balance to obtain the disclosed annual percentage yield - You must maintain a minimum daily balance of $2,500 in your account each day to obtain the disclosed annual percentage yield.

Minimum balance to avoid imposition of fees - A monthly maintenance fee of $3 will be imposed every statement cycle if the balance in the account falls below $2,500 any day of the cycle.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

Withdrawal Limitations - Five withdrawals are allowed from this account per statement month with no fees. Additional withdrawals will be charged a $3 fee per withdrawal.

No Overdrafts will be paid on this account.

Fees and Charges - The following fees and charges apply to this account:

Set Up Fee: $25 per account

Transfer Fee: $25 fee for funds being transferred to different HSA custodian/trustee or funds transferred to Central Bank and Trust Co.'s Trust Division.

Excess Contribution Refund: $25 fee for refunding excess contributions if the refund is requested after the first 30 day statement review period.

Non-Qualifying Taxable Distributions: $10 fee to correct or prepare the reporting of non-qualifying taxable distributions.

Check Printing Fee: Depends on the style and quantity ordered.

Additional Terms - HSA owners may elect to invest all or a portion of their HSA balances in a mutual fund platform provided through the Trust Division of Central Bank and Trust Co. HSA owners who are interested in this option should request separate disclosure materials regarding the investment options and fees associated with these options. Funds transferred to the mutual fund platform are not FDIC insured, may go down in value, not financial institution guaranteed, not a deposit and not insured by any federal government agency.