IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT – To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth (for individuals), and other information that will allow us to identify you. We may also ask to see your driver’s license (for individuals) or other identifying documents.

AGREEMENT – This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us. Please read this carefully and retain it for future reference. If you sign the signature card or open or continue to use the account, you agree to these rules. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. If you have any questions, please call us.

This agreement is subject to applicable federal laws, the laws of the state of Pennsylvania and other applicable rules such as the operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this agreement can and does vary such rules or laws). The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. Any provision that appoints us as an agent is not subject to the provisions of 20 Pa.C.S.A. Section 5601 et seq. (Chapter 56; Decedents, Estates and Fiduciaries Code). By exercising any of our rights under this agreement, we do so for our sole benefit. The purpose of this document is to:

  1. summarize some laws that apply to common transactions;
  2. establish rules to cover transactions or events which the law does not regulate;
  3. establish rules for certain transactions or events which the law regulates but permits variation by agreement; andgive you disclosures of some of our policies to which you may be entitled or in which you may be interested.
  4. If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document. As used in this document the words “we,” “our,” and “us” mean the financial institution and the words “you” and “your” mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account. However, this agreement does not intend, and the terms “you” and “your” should not be interpreted, to expand an individual’s responsibility for an organization’s liability. If this account is owned by a corporation, partnership or other organization, individual liability is determined by the laws generally applicable to that type of organization. The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular. LIABILITY – You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of charges. You authorize us to deduct these charges, without notice to you, directly from the account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement. Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. You will be liable for our costs as well as for our reasonable attorneys’ fees, to the extent permitted by law, whether incurred as a result of collection or in any other dispute involving your account. This includes, but not limited to, disputes between you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your account. This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to seek the advice of an attorney, whether or not we become involved in the dispute. All costs and attorneys’ fees can be deducted from your account when they are incurred, without notice to you. DEPOSITS – We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn “on us”). Before settlement of any item becomes final, we act only as your agent, regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item. We may reverse any provisional credit for items that are lost, stolen, or returned. Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or outside depository until we actually record them. We will treat and record all transactions received after our “daily cutoff time” on a business day we are open, or received on a day we are not open for business, as if initiated on the next business day that we are open. At our option, we may take an item for collection rather than for deposit. If we accept a third-party check for deposit, we may require any third-party endorsers to verify or guarantee their endorsements, or indorse in our presence. WITHDRAWALS – GENERALLY – Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who so signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us.POSTDATED CHECKS – A postdated check is one which bears a date later than the date on which the check is written. We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies the number, date, amount and payee of the item.CHECKS AND WITHDRAWAL RULES – If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit. We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. In addition, we may place limitations on the account until your identity is verified.

    Even if we honor a nonconforming request, we are not required to do so later. If you violate the stated transaction limitations (if any), in our discretion we may close your account or reclassify it as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. If we are presented with an item drawn against your account that would be a “substitute check,” as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. We may determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return. We need only make one determination, but if we choose to make a subsequent determination, the account balance at the subsequent time will determine whether there are insufficient available funds.

    OVERDRAFTS – You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later. So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. We can change our practice of paying overdrafts on your account without notice to you. You can ask us if we have other account services that might be available to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep funds from another account you have with us. You agree that we may charge fees for overdrafts. For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted-in to that service. We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees.

    MULTIPLE SIGNATURES, ELECTRONIC CHECK CONVERSION, AND SIMILAR TRANSACTIONS – An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation. In these types of transactions the check or similar item is either removed from circulation (truncated) or given back to you. As a result, we have no opportunity to review the check to examine the signatures on the item. You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures.

    NOTICE OF WITHDRAWAL UNDER PENNSYLVANIA LAW WE RESERVE THE RIGHT TO REQUIRE NOT LESS THAN 14 DAYS’ PRIOR WITHDRAWAL NOTICE BEFORE PAYING REQUESTS FOR WITHDRAWAL FROM NOW ACCOUNT. We reserve the right to require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. (The law requires us to reserve this right, but it is not our general policy to use it.) Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

    OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION – These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. INDIVIDUAL ACCOUNT – is an account in the name of one person. JOINT ACCOUNT – WITH SURVIVORSHIP (AND NOT AS TENANTS IN COMMON) – is an account in the name of two or more persons. Each of you intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. JOINT ACCOUNT – NO SURVIVORSHIP (AS TENANTS IN COMMON) – is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawal. REVOCABLE TRUST ACCOUNT – If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this account type reserve the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time.

    BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS – Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. You represent that you have the authority to open and conduct business on this account on behalf of the entity. We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the entity.

    STOP PAYMENTS – Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to you elsewhere, you may ask us about those rules.

    We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, if your stop-payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period.

    If the original stop-payment order was verbal your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period. We are not obligated to notify you when a stop-payment order expires. A release of the stop-payment request may be made only by the person who initiated the stop-payment order.

    If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys’ fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order.

    AMENDMENTS AND TERMINATION – We may change any term of this agreement. Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may also close this account at any time upon reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to keep us informed of your current address at all times. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term(s).

    STATEMENTS – YOUR DUTY TO REPORT UNAUTHORIZED SIGNATURES, ALTERATIONS AND FORGERIES – You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer.

    You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you.

    You further agree that if you fail to report any unauthorized signatures, alterations, or forgeries in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section.

    YOUR DUTY TO REPORT OTHER ERRORS – In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error – such as an encoding error. You agree that the time you have to examine your statement and report to us will depend on the circumstances. However, such time period shall not exceed 60 days. Failure to examine your statement and report any such errors to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any such errors on items identified in that statement and as between you and us the loss will be entirely yours.

    ERRORS RELATING TO ELECTRONIC FUND TRANSFERS OR SUBSTITUTE CHECKS – For information on errors relating to electronic fund transfers (e.g., computer, debit card or ATM transactions) refer to your Electronic Fund Transfers disclosure and the sections on consumer liability and error resolution. For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights.

    ACCOUNT TRANSFER – This account may not be transferred or assigned without our prior written consent.

    DIRECT DEPOSITS – If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the federal government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

    TEMPORARY ACCOUNT AGREEMENT – If this option is selected, this is a temporary account agreement. Each person who signs to open the account or has authority to make withdrawals (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.

    SETOFF – We may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt you owe us now or in the future, by any of you having the right of withdrawal, to the extent of such persons’ or legal entity’s right to withdraw. If the debt arises from a note, “any due and payable debt” includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for which we properly accelerate under the note.

    This right of setoff does not apply to this account if prohibited by law. For example, the right of setoff does not apply to this account if: (a) it is an Individual Retirement Account or similar tax-deferred account, or (b) the debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) the debtor’s right of withdrawal only arises in a representative capacity. We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account. You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.

    AUTHORIZED SIGNER – A single individual is the owner. The authorized signer is merely designated to conduct transactions on the owner’s behalf. The owner does not give up any rights to act on the account, and the authorized signer may not in any manner affect the rights of the owner or beneficiaries, if any, other than by withdrawing funds from the account. The owner is responsible for any transactions of the authorized signer. We undertake no obligation to monitor transactions to determine that they are on the owner’s behalf. The designation of an authorized signer does not create a power of attorney; therefore, the authorized signer is not subject to the provisions of 20 Pa.C.S.A. Section 5601 et seq. (Chapter 56; Decedents, Estates and Fiduciaries Code).

    The owner may terminate the authorization at any time, and the authorization is automatically terminated by the death of the owner. However, we may continue to honor the transactions of the authorized signer until: (a) we have received written notice or have actual knowledge of the termination of authority, and (b) we have a reasonable opportunity to act on that notice or knowledge. We may refuse to accept the designation of an authorized signer.

    RESTRICTIVE LEGENDS – The automated processing of the large volume of checks we receive prevents us from inspecting or looking for special instructions or “restrictive legends” on every check. Examples of restrictive legends placed on checks are “must be presented within 90 days” or “not valid for more than $1,000.00.” For this reason, we are not required to honor any restrictive legend placed on checks you write unless we have agreed in writing to the restriction. We are not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks.

    PAYMENT ORDER OF ITEMS – The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. The payment order can affect the number of items overdrawn or returned unpaid and the amount of the fees you may have to pay. To assist you in managing your account, we are providing you with the following information regarding how we process those items.

    When processing items drawn on your account, our policy is to pay them in numerical sequence. Lower item numbers are paid first. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. There is no policy that is favorable in every instance. If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest and perhaps more important items (such as rent or mortgage payments) might not be paid.

    If a check, item or transaction (other than an ATM or everyday debit card transaction) is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item for insufficient funds (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere, as are your rights to opt in to overdraft services for ATM and everyday debit card transactions, if applicable. We encourage you to make careful records and practice good account management. This will help you to avoid creating items without sufficient funds and potentially incurring the resulting fees.

    DEATH OR INCOMPETENCE – You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or becomes legally incompetent. We may continue to honor your checks, items, and instructions until: (a) we know of your death or incompetence, and (b) we have had a reasonable opportunity to act on that knowledge. You agree that we may pay or certify checks drawn on or before the date of death or legal incompetence for up to ten (10) days after your death or legal incompetence unless ordered to stop payment by someone claiming an interest in the account.

    UTMA ACCOUNTS – Under the PA Uniform Transfers to Minors Act, the funds in the account are owned by the child and the contract with us (the bank) is with the custodian (or successor custodian).

    The account may be accessed only by the custodian (or successor custodian), and the funds must be used for the benefit of the child. We, however, have no duty or agreement whatsoever to monitor or insure that the accounts of the custodian (or successor custodian) are for the child’s benefit. For this type of account, the child’s SSN/TIN is used for the Backup Withholding Certification. When the child reaches the age of majority (21) the custodian (or successor custodian), should close the account and establish a new account owned by the child who would have unconditional use of the account.

    FIDUCIARY ACCOUNTS – Accounts may be opened by a person acting in a fiduciary capacity. A fiduciary is someone who is appointed to act on behalf of and for the benefit of another. This account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders. You understand that by merely opening such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to monitor or enforce the terms of the trust or letters.

    CREDIT VERIFICATION – You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency.

    LOST, DESTROYED, OR STOLEN CERTIFIED, CASHIER’S OR TELLER’S CHECKS – Under some circumstances you may be able to assert a claim for the amount of a lost, destroyed, or stolen certified, money order, cashier’s or teller’s check. To assert the claim: (a) you must be the remitter (or drawer of a certified check) or payee of the check, (b) we must receive notice from you describing the check with reasonable certainty and asking for payment of the amount of the check, (c) we must receive the notice in time for us to have reasonable opportunity to act on it, and (d) you must give us a indemnification bond or surety bond from your insurance company and your expense of your loss with respect to the check. Even if all of these conditions are met, your claim may not be immediately enforceable. We may pay the check until the ninetieth day after the date of the check (or date of acceptance of a certified check). Therefore, your claim is not enforceable until the ninetieth day after the date of the check or date of acceptance, and the conditions listed above have been met. If we have not already paid the check, on the day your claim is enforceable we will issue another check of the same type.

    CHANGING ACCOUNT PRODUCTS – We may change your account to another product offered by us at any time by giving you notice that your account will be changed to another product on a specified date. If your account is a time account, the change will not occur before the next maturity date of your account. If you do not close your account before the date specified in the notice, we may change your account to that other product on the date specified in the notice.

    CHECK PROCESSING – We process items mechanically by relying solely on the information encoded in magnetic ink along the bottom of the items. This means that we do not individually examine all of your items to determine if the item is properly completed, signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink. You agree that we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner. Using an automated process helps us keep costs down for you and all account holders.

    CHECK STORAGE AND COPIES – You agree that you will not receive your canceled checks. We will store your canceled checks or copies of them for a reasonable retention period. You may request copies from us in the manner we require.

    CHECK CASHING – We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account. We may also require reasonable identification to cash such a check, draft or other instrument. We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint.

    REMOTELY CREATED CHECKS – Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand draft) is a check or draft that can be used to withdraw money from an account. Unlike a typical check or draft, however, a remotely created check is not issued by the paying bank and does not contain the signature of the account owner (or a signature purported to be the signature of the account owner). In place of a signature, the check usually has a statement that the owner authorized the check or has the owner’s name typed or printed on the signature line. For example, if a person provides an account number in response to a telephone solicitation, the telephone solicitor can use the account number to issue a remotely created check to withdraw money from that account.

    You warrant and agree to the following for every remotely created check we receive from you for deposit or collection: (1) you have received express and verifiable authorization to create the check in the amount and to the payee that appears on the check; (2) you will maintain proof of the authorization for at least 2 years from the date of the authorization, and supply us the proof if we ask; and (3) if a check is returned you owe us the amount of the check, regardless of when the check is returned. We may take funds from your account to pay the amount you owe us, and if there are insufficient funds in your account, you still owe us the remaining balance.

    CLAIM OF LOSS – If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you.

    You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources.

    ADDRESS OR NAME CHANGES – You are responsible for notifying us of any change in your address or your name. Unless we agree otherwise, change of address or name must be made in writing by at least one of the account holders. Informing us of your address or name change on a check reorder form is not sufficient. We will attempt to communicate with you only by use of the most recent address you have provided to us. If provided elsewhere, we may impose a service fee if we attempt to locate you.

    WAIVER OF NOTICES – You waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your account.

    UNLAWFUL INTERNET GAMBLING NOTICE – Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.

    ACH AND WIRE TRANSFERS – This agreement is subject to Article 4A of the Uniform Commercial Code – Fund Transfers as adopted in the state in which you have your account with us. If you originate a fund transfer and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited. If we receive a payment order to credit an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.


    NOTICE REGARDING INACCURATE INFORMATION

    As a participant in the consumer reporting system, we furnish information about our experience with you to consumer reporting agencies. These consumer reports allow us to make credit and other opportunities available to you. If you believe that we have furnished information to a consumer reporting agency that is inaccurate please notify us at the following address and identify the specific information that is inaccurate:

    InFirst Bank, Customer Service Representative

    935 Philadelphia Street, Indiana, Pennsylvania 15701

    Telephone: (800)349-2814


    NOTICE OF NEGATIVE INFORMATION

    Federal law requires us to provide the following notice to customers before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” includes information concerning delinquencies, overdrafts or any form of default. This notice does not mean that we will be reporting such information about you, only that we may report such information about customers that have not done what they are required to do under our agreement.

    After providing this notice, additional negative information may be submitted without providing another notice.

    We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.


    ELECTRONIC FUND TRANSFERS
    YOUR RIGHTS AND RESPONSIBILITIES

    This Electronic Fund Transfer disclosure does not apply to any accounts other than consumer accounts, as defined by Regulation E.

    Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

    Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

    • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking, savings or money market account(s).
    • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking, savings or money market account(s).
    • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.
    • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

    Telephone Banking transactions – types of transactions – You may access your account by telephone 24 hours a day, seven days a week at (877) 938-5400 or (724) 349-5400 using your account number(s), personal identification number (PIN) and first time users use the last four digits of the owner’s social security number as the first time PIN to:

    • Transfer funds from checking, statement savings, or money market account(s) to checking, statement savings, or money market account(s)
    • make payments from checking, savings, or money market account(s) to InFirst Bank loans
    • Get balance information about checking, savings, certificate of deposit, line of credit or money market account(s)
    • Get withdrawal history about checking, savings or money market account(s)
    • Get deposit history about checking, savings or money market account(s)
    • Get transaction history about checking, savings or money market account(s)

    InFirst Bank ATM Card or Debit Card transactions – types of transactions – You may access your account(s) by ATM at STAR, CIRRUS or other ATM capable system using your InFirst Bank ATM Card or

    • Debit Card and your personal identification number (PIN) to:
    • Deposit funds to checking, savings or money market account(s)
    • Withdraw cash from checking, savings or money market account(s)
    • Transfer funds from checking, savings, or money market account(s) to checking, savings, or money market account(s)
    • Get balance information about checking, savings or money market account(s)

    Some of these services may not be available at all terminals.

    InFirst Debit Card point-of-sale transactions types of transactions – You may access your checking account(s) using your InFirst debit card to do transactions that participating merchants will accept, including:

    • purchase goods in person, by phone, or online
    • pay for services in person, by phone, or online
    • get cash from a participating merchant or financial institution
    • Currency Conversion and International Transactions.

    (a) For point-of-sale (merchant) transactions. When you use your VISA® Debit Card for this type of transaction and it settles in a currency other than US Dollars, the charge will be converted into the US Dollar amount. The currency conversion rate used to determine the transaction amount in US Dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

    Visa USA charges us a .8% International Service Assessment on all international transactions if there is no currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transactions/currency conversions is disclosed separately. An international transaction is a transaction where the country of the merchant is outside the USA.

    (b) For ATM transactions. When you use your VISA® Debit Card for this type of transaction and it settles in a currency other than US Dollars, MasterCard/Cirrus will convert the charge into a US Dollar amount. The MasterCard/Cirrus currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard/Cirrus. The exchange rate MasterCard/Cirrus uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.

    MasterCard/Cirrus charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, MasterCard/Cirrus charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. The fee we charge you for international transactions/currency conversions is disclosed separately. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.

    Advisory Against Illegal Use. You agree not to use your InFirst Debit Card for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

    Online Banking – types of transfers – You may access your accounts at www.infirstbank.bank and using your account number(s), personal identification number (PIN), social security number and first time users will need driver’s license #, address, phone, email and mother’s maiden name, to:

    • Transfer funds from checking, savings, money market or personal and home equity line of credit to checking, savings, or money market account(s)
    • Make payments from checking, savings, money market or personal and home equity line of credit to InFirst Bank loan
    • Get balance information about checking, savings, certificate of deposit, line of credit or money market account(s), and all InFirst Bank loans
    • Get withdrawal history about checking, savings or money market account(s)
    • Get deposit history about checking, savings or money market account(s)
    • Get transaction history about checking, savings, certificate of deposit, line of credit or money market account(s)

    Bill Pay – types of transfers – You may access this service by computer at www.infirstbank.com and using your user name and password. You may access this service to:

    • Make payments from your checking account(s) to Utilities, Auto Loans, Bank Loans, Credit Card Payments, Health Care Providers, and other acceptable merchants or third parties.(Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately.)

    Mobile Banking – types of transfers – You may access your accounts remotely with your Cell phone or other mobile access device and using your User identification name, Password and Text messaging commands (available separately). You may use this service to:

    • Transfer funds from checking, savings, or money market account(s), or personal and home equity lines of credit to checking, savings, or money market account(s)
    • Make payments from checking, savings, money market, or personal and home equity lines of credit to InFirst Bank loans (Payments made by paper check to specified payees (as disclosed separately) will NOT be subject to these Electronic Fund Transfers Rules.)
    • Get balance information about checking, savings, line of credit, certificate of deposit or money market account(s) or InFirst loans
    • Get withdrawal history about checking, savings, line of credit or money market account(s)
    • Get deposit history about checking, savings or money market account(s)
    • get transaction history about checking, savings, line of credit, certificate of deposit or money market account(s) or InFirst Bank loans
    • Bill Payment is available through mobile banking
    • Mobile Deposit is available using a supported camera-equipped device and a downloaded mobile banking app. An eligible InFirst account and InFirst online banking is required. Certain other restrictions and transaction limits apply.

    Your mobile service provider’s standard service fees, such as text message fees or similar charges, will apply to all transactions. Check with your service provider for information about these fees. See additional mobile banking terms and conditions in the online banking service agreement.

    Limits and fees – Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers.

    ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

    Limitations on frequency of transfers – In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Savings and Money Market account(s):

    During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any monthly statement period, your account will be subject to fee and possible closure by the financial institution.

    DOCUMENTATION

    • Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.
    • Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (800) 349-2814 to find out whether or not the deposit has been made.
    • Periodic statements.

    If you have a checking account with us, you will get a monthly account statement from us for your checking accounts. You will get a quarterly statement from us for your savings account, unless there are electronic transfers during a particular month, in which case you would receive a monthly statement.

    PREAUTHORIZED PAYMENTS

    • Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
      • Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
    • Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
    • Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

    FINANCIAL INSTITUTION’S LIABILITY

    Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

    1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
    2. If you have an overdraft line and the transfer would go over the credit limit.
    3. If the automated teller machine where you are making the transfer does not have enough cash.
    4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
    5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
    6. There may be other exceptions stated in our agreement with you.

    CONFIDENTIALITY

    We will disclose information to third parties about your account or the transfers you make:

    1. where it is necessary for completing transfers; or
    2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
    3. in order to comply with government agency or court orders; or
    4. if you give us written permission.

    UNAUTHORIZED TRANSFERS

    (a) Consumer liability.

    • Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.

    If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

    Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

    If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

    • Additional Limit on Liability for VISA® Debit Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA® Debit Card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by VISA®.

    (b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. You should also call the number or write to the address listed in this disclosure. If you believe a transfer has been made using the information from your check without your permission.

    ERROR RESOLUTION NOTICE

    In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this disclosure as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

    1. Tell us your name and account number (if any).
    2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
    3. Tell us the dollar amount of the suspected error.

    If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

    We will determine whether an error occurred within 10 business days (5 business days for VISA® Debit Card point-of-sale transactions processed by VISA and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for VISA® Debit Card point-of-sale transactions processed by VISA and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

    We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

    You may ask for copies of the documents that we used in our investigation.

    If you have inquiries regarding your account, please contact us at:

    INFIRST BANK
    CUSTOMER SERVICE REPRESENTATIVE
    935 Philadelphia Street
    Indiana, PA 15701

    Business Days: Monday through Friday (excluding Federal Holidays)
    Phone: (800)-349-2814

    MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

    NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS

    As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

    1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
    2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don’t leave them at the ATM or night deposit facility because they may contain important account information.
    3. Compare your records with the account statements or account histories that you receive.
    4. Don’t lend your ATM card to anyone.
    5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
    6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don’t tell anyone your PIN. Don’t give anyone information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. Don’t write your PIN where it can be discovered. For example, don’t keep a note of your PIN in your wallet or purse.
    7. Prevent others from seeing you enter your PIN by using your body to shield their view.
    8. If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
    9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
    10. Don’t accept assistance from anyone you don’t know when using an ATM or night deposit facility.
    11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
    12. Don’t display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
    13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings.
    14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.
     YOUR ABILITY TO WITHDRAW FUNDS

    This policy statement applies to “transaction” accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.

    Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

    Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

    For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

    If you make a deposit at an ATM before 12:00 A.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 12:00 A.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

    If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

    If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

    LONGER DELAYS MAY APPLY

    Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, will be available on the first business day.

    If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

    If you will need the funds from a deposit right away, you should ask us when the funds will be available.

    Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

    • We believe a check you deposit will not be paid.
    • You deposit checks totaling more than $5,000 on any one day.
    • You redeposit a check that has been returned unpaid.
    • You have overdrawn your account repeatedly in the last six months.
    • There is an emergency, such as failure of computer or communications equipment.

    We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

    SPECIAL RULES FOR NEW ACCOUNTS

    If you are a new customer, the following special rules will apply during the first 30 days your account is open.

    Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

    Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

    DEPOSITS AT AUTOMATED TELLER MACHINES

    Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will be available on the second business day after the day of deposit, except that U.S. Treasury checks that are payable to you will be available on the first business day after the day of deposit. Also, the first $200 of a deposit made at ATMs we own or operate will be available on the first business day after the day of deposit. Checks drawn on us or on a branch of ours will be available on the first business day after the day of deposit if the deposit is made at an ATM located on our premises.


    SUBSTITUTE CHECKS AND YOUR RIGHTS

    As an account holder, you may see substitute checks from time to time, such as when you receive your account statement with copies of your checks, when you view your account information online, or when you request a copy of your original check for proof of payment. The following substitute check disclosure provides information about substitute checks and your rights. So you will recognize a substitute check when you receive one, we have also included an illustration of the front side of a substitute check along with an explanation of the substitute check’s components.

    What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.

    Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

    What are my rights regarding substitute checks?  In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

    The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

    If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.

    We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

    How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at:

    InFirst Bank
    935 Philadelphia Street
    Indiana, PA 15701
    (800)349-2814

    You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

    Your claim must include —

    • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
    • An estimate of the amount of your loss;
    • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
    • A copy of the substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, and the name of the person to whom you wrote the check.
Substitute Check example

These numbers correspond with the numbers on the Substitute Check Image:

  1. An image of the original check appears in the upper right-hand corner of the substitute check.
  2. A substitute check is the same size as a standard business check.
  3. The information in asterisks relates to the “reconverting bank”—the financial institution that created the substitute check.
  4. The information in brackets (appears sideways facing check image) relates to the “truncating bank”— the financial institution that took the original check out of the check processing system.
  5. The Legal Legend states: This is a LEGAL COPY of your check. You can use it the same way you would use the original check.
  6. The MICR lines at the bottom of the image of the original and at the bottom of the substitute check are the same except for the “4” at the beginning of the MICR line on the substitute check, which indicates that it is a substitute check being moved forward for collection purposes. It is also possible for the MICR line on the substitute check to begin with a “5” if the item is being returned. The rest of the MICR line is the same as the original check to ensure that it is processed as though it were the original.

TRUTH-IN-SAVINGS DISCLOSURE

BASIC CHECKING ACCOUNT

Minimum balance to open the account – You must deposit $100.00 to open this account.

Inactive account fee – A $5.00 per month service charge when the account balance is less than $25 with no activity in the previous 60 days, the account balance is less than $250 with no activity in previous 6 months, or when the account balance is less than $500 with no activity in previous 12 months.

INTEREST CHECKING 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 at any time.

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 on the last day of your statement cycle.

Minimum balance to open the account – You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees – A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle or if the average daily balance in the account for the cycle falls below $1,000.00. The average daily 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.

Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $.01 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).

EVERGREEN CHECKING 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 at any time.

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 and credited on the last day of your statement cycle.

Minimum balance to open the account – You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees – A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle, or if the average daily balance in the account for the cycle falls below $2,000.00, or if a $10,000.00 deposit relationship is not maintained in total deposit accounts. The average daily 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.

Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $.01 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).

MONEY MARKET ACCOUNT

PREFERRED MONEY MARKET ACCOUNT

BUSINESS MONEY MARKET 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 at any time.

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 on the last day of your statement cycle.

Minimum balance to open the account – You must deposit $2,500.00 to open this account.

Minimum balance to avoid imposition of fees – A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.

Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $.01 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 – Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six per calendar month.

Fees – An excessive withdrawal fee of $15.00 will be charged for each transaction in excess of the above limitations.

STATEMENT 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 at any time.

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

Compounding and crediting frequency – Interest will be compounded quarterly. Interest will be credited to your account quarterly.

Minimum balance to open the account – You must deposit $100.00 to open this account.

Minimum balance to avoid imposition of fees – A service charge fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle. This fee will not be charged on the accounts for children under the age of 18.

Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $.01 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 – Transfers from a Statement Savings account to another account or to third parties by telephone or computer transfer are limited to six per calendar month.

Fees – An excessive withdrawal fee of $15.00 will be charged for each transaction in excess of the above limitations.

CACHÉ 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 at any time. Determination of rate – At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency – Interest will be compounded semiannually. Interest will be credited to your account semiannually.

Minimum balance to open the account – You must deposit $.01 to open this account.

Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $.01 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 make unlimited deposits into your account.

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

You cannot withdraw interest from your account before maturity. If any withdrawal is made from this account before maturity then this account will be closed.

Maturity date – An annual payout date that is selected by the customer at the time of the account opening.

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

Early withdrawal/closeout fee – $5.00 penalty will be charged to accounts closed prior to the stated annual payout date.

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

  • If your account has an original maturity of one year or less: The fee we may impose will be the greater of seven days earnings or the accrued interest on the account that has not been credited.
  • 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.
  • For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.

Automatically renewable time account – This account will automatically renew at maturity. You may prevent renewal by not making any deposits to the account within 30 days following maturity. If you prevent renewal, interest will not accrue after final maturity.

Other fees: There is No Fee for direct deposits to another account at InFirst Bank. Funds disbursed automatically at maturity via check will be charged a $2.00 check processing fee.

CERTIFICATE OF DEPOSIT

Compounding frequency – Interest will be compounded semiannually except for certificates of less than one year where interest will not be compounded.

Crediting frequency – Interest will be credited to your account semiannually unless monthly checks are permitted ($5,000.00 minimum balance required) and taken. For 7-Day Access Certificates, with a six month term, interest will be credited to your account at maturity.

Minimum balance to open the account – You must deposit $500.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $.01 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 make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
  • 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. For 7-Day Access Certificates, you cannot withdraw interest from your account before maturity.

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

  • If your account has a maturity 6 months or less:
    The fee we may impose will equal 91 days interest on the amount withdrawn.
  • If your account has a maturity of over 6 months but less than 60 months:
    The fee we may impose will equal 182 days interest on the amount withdrawn
  • If your account has a maturity of 60 months or more:
    The fee we may impose will equal 365 days interest on the amount withdrawn
  • If your account is a 7-Day Access Certificate:
    We will not impose a penalty for withdrawals before maturity. However, the funds must remain on deposit for at least 7 days before a withdrawal will be allowed.

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 modify the renewal terms if we mail notice to you at least 30 calendar days before maturity. Said notice will detail the specific renewal terms.

Each renewal term will be the renewal term as indicated on the Certificate Contract. 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 seven calendar days after maturity to withdraw the funds without a penalty.

INDIVIDUAL RETIREMENT ACCOUNT SAVINGS

Rate Information – Your interest rate and annual percentage yield may change. Frequency of rate changes – We may change the interest rate on your account at any time.

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

Compounding and crediting frequency – Interest will be compounded quarterly. Interest will be credited to your account quarterly.

Minimum balance to open the account – You must deposit $50.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $.01 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).

Contributions – Contributions are limited to a specific dollar amount each tax year, depending on your age, compensation, type of IRA and other eligibility requirements. In general the contribution limit is $5,500 if you are under age 50 and $6,500 if you are 50 or older.

Rollovers and transfers – Transfers to an InFirst IRA certificate or InFirst are permitted at any time without a fee, transfers to an IRA outside the organization are subject to a $35.00 transfer fee. Other distributions are subject to IRS tax rules.

Transaction limitations – Minimum deposit amount is $50.00

Additional Terms: All other terms and disclosures of Individual Retirement Accounts are contained in the Plan Agreement and Disclosure Statement provided to you when you open your Individual Retirement Account.

INDIVIDUAL RETIREMENT ACCOUNT CERTIFICATE OF DEPOSIT

Compounding frequency – Interest will be compounded semiannually except for certificates of less than one year where interest will not be compounded.

Crediting frequency – Interest will be credited to your account semiannually unless monthly checks are permitted and taken.

Minimum balance to open the account – You must deposit $500.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed – You must maintain a minimum balance of $.01 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).

Contributions – For contribution limits on the Traditional IRA, Roth IRAs and Coverdell Education Savings Account, see an IRA specialist.

Rollovers & Transfers – You must open a new certificate for rollovers and transfers into an existing IRA Plan.

Transaction limitations:

  • You may not make any deposits into your account before maturity.
  • You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.
  • 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 a maturity 6 months or less:

The fee we may impose will equal 91 days interest on the amount withdrawn.

  • If your account has a maturity of over 6 months but less than 60 months :

The fee we may impose will equal 182 days interest on the amount withdrawn.

  • If your account has a maturity of 60 months or more:

The fee we may impose will equal 365 days interest on the amount withdrawn.

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. Withdrawals subject to IRS tax rules.

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 modify the renewal terms if we mail notice to you at least 30 calendar days before maturity. Said notice will detail the specific renewal terms.

Each renewal term will be the renewal term as indicated on the Certificate Contract. 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 seven calendar days after maturity to withdraw the funds without a penalty.

INFIRST REWARD$ CASH 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 at any time.

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

The Annual Percentage Yield (APY) disclosed on the InFirst Rewards Cash account assumes that the interest earned in InFirst Rewards Cash compounds; however, by choosing to have InFirst Rewards Savings link to InFirst Rewards Cash, you understand that the interest earned in your InFirst Rewards Cash account is automatically transferred into your InFirst Rewards Savings account at the end of the statement cycle and therefore does not remain in your InFirst Rewards Cash account and does not compound. Additionally, you understand that the interest amount earned in the InFirst Rewards Savings account may be less than the interest amount earned in the InFirst Rewards Cash account.

Qualifications – To qualify for the InFirst Rewards Cash Preferred Rate and receive reimbursements for the ATM fee surcharges, you must meet the following requirements during the monthly qualification cycle:

  • Debit Cards: 12 debit card purchase transactions must post and settle to your account per monthly qualification cycle. Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as POS transactions count towards qualifying debit card transactions.
  • Electronic Statements: Be enrolled and receive your monthly account statement electronically.
  • Please contact us for details on how to enroll.
  • Direct Deposit or ACH: One direct deposit or one ACH automatic payment must post and settle to your account per monthly qualification cycle.

Please note that transactions MUST post and settle to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account.

Compounding and crediting frequency – Interest will compound every month and be credited to your account on the last day of your statement cycle unless you also have a InFirst Rewards Savings account, then interest will not be compounded. Interest will be credited to your InFirst Rewards Cash account on the last day of your statement cycle and immediately transferred to your InFirst Rewards Savings account on the first business day of the following statement cycle.

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 $100.00 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 on the business day you deposit noncash items (for example, checks).

Monthly qualification cycle – Monthly qualification cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.

ATM Fee Reimbursement – If you have met your qualifications for the monthly qualification cycle, we will reimburse you for ATM fees imposed by our institution as well as fees imposed by other U.S. financial institutions up to an aggregate amount of $20.00 per monthly qualification cycle and deposit them into your account at the end of each end-of-cycle period. However, if you have a InFirst Rewards Savings account linked to your InFirst Rewards Cash account, any fee refunds will be deposited into your InFirst Rewards Cash account and immediately transferred to your InFirst Rewards Savings account on the first business day of the following statement cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. Note: ATM withdrawals do not count as qualifying debit card transactions for purpose of earning rewards within this account. If you close your account, you will not receive reimbursements that have not yet been credited to your account.

Limitation on Number of Accounts – Limit one InFirst Rewards Cash account per social security number.

Additional Terms: You will automatically qualify for the Preferred Rate and the ATM fee reimbursements for the first statement cycle after account opening.

INFIRST REWARD$ CASH BACK ACCOUNT

Minimum balance to open the account – You must deposit $100.00 to open this account.

Qualifications – To qualify for cash back on debit card purchases and the ATM fees refund, you must meet the following requirements per monthly qualification cycle:

  • Debit Cards: 12 debit card purchase transactions must post and settle to your account per monthly qualification cycle. Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as POS transactions count towards qualifying debit card transactions.
  • Electronic Statements: Be enrolled and receive your monthly account statement electronically.
  • Please contact us for details on how to enroll.
  • Direct Deposit or ACH: One direct deposit or one ACH automatic payment must post and settle to your account per monthly qualification cycle.

Please note that transactions MUST post and settle to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account.

Monthly qualification cycle – Monthly qualification cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.

Cash back rewards – If you have met your qualifications for the monthly qualification cycle, you will receive 3.00% cash back, up to an aggregate amount of $6.00 per monthly qualification cycle, on everyday debit card purchases of $200 or less that post and settle to your account during the monthly qualification cycle. The cash back rewards will be credited to your account on the last day of your statement cycle. However, if you have a InFirst Rewards Savings account linked to your InFirst Rewards Cash Back account, your cash back rewards will be deposited into your InFirst Rewards Cash Back account and immediately transferred to your InFirst Rewards Savings account on the first business day of the following statement cycle.

ATM Fee Reimbursement – If you have met your qualifications for the monthly qualification cycle, we will reimburse you for ATM fees imposed by our institution as well as fees imposed by other U.S. financial institutions up to an aggregate amount of $20.00 per monthly qualification cycle and deposit them into your account at the end of each end-of-cycle period. However, if you have a InFirst Rewards Savings account linked to your InFirst Rewards Cash Back account, any fee refunds will be deposited into your InFirst Rewards Cash Back account and immediately transferred to your InFirst Rewards Saving account on the first business day of the following statement cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. Note: ATM withdrawals do not count as qualifying debit card transactions for purpose of earning rewards within this account. If you close your account, you will not receive reimbursements that have not yet been credited to your account.

Effect of closing account – If the account is closed before the rewards are credited to it, you will forfeit the final cash back reward.

Limitation on Number of Accounts – Limit one InFirst Rewards Cash Back account per social security number.

Additional Terms: You will automatically qualify for the cash back rewards and the ATM fee reimbursements for the first statement cycle after account opening.

INFIRST REWARDS SAVINGS

This account can only be opened with a new or existing InFirst Rewards Cash or InFirst Rewards Cash Back 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 at any time.

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

Qualifications – To qualify for the InFirst Rewards Savings Preferred Rate and receive reimbursements for the ATM fee surcharges, your attached InFirst Rewards Cash or InFirst Rewards Cash Back account must meet the following requirements during the monthly qualification cycle:

  • Debit Cards: 12 debit card purchase transactions must post and settle to your account per monthly qualification cycle. Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as POS transactions count towards qualifying debit card transactions.
  • Electronic Statements: Be enrolled and receive your monthly account statement electronically.
  • Direct Deposit or ACH payment: One direct deposit or one ACH automatic payment must post and settle to your account per monthly qualification cycle.

Please contact us for details on how to enroll.

  • Direct Deposit or ACH: One direct deposit or one ACH automatic payment must post and settle to your account per monthly qualification cycle.

Please note that transactions MUST post and settle to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account.

Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account on the last day of your statement cycle. Also, if you have met your qualifications in the attached InFirst Rewards Cash account for the monthly qualification cycle, the interest earned on that account will be transferred to your InFirst Rewards Savings account on the first business day of the following statement cycle.

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 $.01 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 on the business day you deposit noncash items (for example, checks).

Monthly qualification cycle – Monthly qualification cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.

ATM Fee Reimbursement – If you have met your qualifications in the attached InFirst Rewards Cash or InFirst Rewards Cash Back account for the monthly qualification cycle, we will reimburse you for ATM fees charged against your attached InFirst Rewards Cash or InFirst Rewards Cash Back account, imposed by our institution as well as fees imposed by other U.S. financial institutions, up to an aggregate amount of $20.00 per monthly qualification cycle and transfer them into your InFirst Rewards SavINGS account on the first business day of the following statement cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. Note: ATM withdrawals do not count as qualifying debit card transactions for purpose of earning rewards within this account. If you close your account, you will not receive reimbursements that have not yet been credited to your account.

Limitation on Number of Accounts – Limit one InFirst Rewards Saving account per social security number.

Additional Terms: The InFirst Rewards Savings account is only offered in conjunction with either the InFirst Rewards Cash or InFirst Rewards Cash Back account. In the event that you close your InFirst Rewards Cash or InFirst Rewards Cash Back account, we reserve the right to close your InFirst Rewards Savings account.

ADDITIONAL SAVINGS ACCOUNT LIMITATIONS

NOTICE: UNDER PENNSYLVANIA LAW InFirst BANK RESERVES THE RIGHT TO REQUIRE NOT LESS THAN 14 DAYS’ PRIOR WITHDRAWAL NOTICE BEFORE PAYING REQUESTS FOR WITHDRAWAL FROM NOW ACCOUNTS. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a NOW account or a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.

We do not require notice in writing for a withdrawal from a Basic Checking account. 

 

MAIN BRANCH
935 Philadelphia Street
Indiana, PA 15701

TOWNFAIR BRANCH
475 Ben Franklin Road, South
Indiana, PA 15701

PUNXSUTAWNEY BRANCH
8 Beyer Road
Punxsutawney, PA 15767

BURRELL TWP/BLAIRSVILLE  BRANCH
915 Route 22 Highway West
Blairsville, PA 15717

RICHLAND BRANCH
1420 Scalp Avenue
Johnstown, PA 15904

WESTMONT BRANCH
909 Menoher Boulevard
Johnstown, PA 15905

HARRISON CITY BRANCH
340 Waugaman Road
Harrison City, PA 15636

TROUTVILLE BRANCH
35 Kentucky Avenue
Punxsutawney, PA 15767

GREENSBURG EAST BRANCH
1007 Georges Station Road
Greensburg, PA 15601

PLUMVILLE BRANCH
24 Main Street
Plumville, PA 16246

Call (800)349-2814 to be connected to any branch.

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www.infirstbank.com

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