MAIN STREET CHECKING INTEREST OPTION

MAIN STREET CHECKING ACCOUNT INTEREST OPTION DISCLOSURE OF ACCOUNT TERMS

Enrollment is required to earn interest on this account. Contact a customer service representative to sign up for this option.

At our discretion, we may change the interest rate on your account. You may inquire as to the current rate on your account by calling or .

You must maintain a minimum average daily collected balance of $750.00 to obtain the disclosed annual percentage yield.

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

The interest will be compounded and credited to your account on the last day of the statement period (monthly). The annual percentage yield assumes interest remains on deposit. A withdrawal of the interest will reduce earnings.

We use the average daily collected balance method to calculate interest on your account. This method applies a periodic rate to the average daily collected balance in the account for the period. The average daily collected balance is calculated by adding the collected balance in the account for each day in the period and dividing that figure by the number of days in the period.

************ACCIDENTAL DEATH INSURANCE DISCLOSURE************
Accidental Death Insurance is offered through the company named on the certificate of insurance. Coverage is divided equally among owners of joint accounts. The insurance is: *NOT A DEPOSIT *NOT FDIC-INSURED *NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY *NOT GUARANTEED BY THE BANK *MAY GO DOWN IN VALUE