Checking Accounts Fidelity FREE or Student Fidelity Saver Fidelity Select Fidelity Elite Fidelity Senior Minimum to Open $25 **Student Checking Oops Card $100 *Avoid monthly maint. fee $100 *Avoid monthly maint. fee $500 *Avoid monthly maint. fee $100 Customers ages 55 & up Minimum Balance to avoid Monthly Maintenance Fee $0 $2500.00 $1000.00 $5000.00 $0 Monthly Maintenance Fee $0 $7.00 $10.00 $15.00 $0 Check Card First FREE $25 Per Replacement Bill Pay Online Checking ATM Debits 8 FREE $0.50 Per Addt'l Interest No No Yes Balance of $15,000 or more No FREE Checks No School Spirit Checks for Students No Overdraft Defender Safe Box Available Available Available FREE Any Size 20% Discount

** Oops Card One Free Refund of Return Item Charge for Student Checking Only     * Avoid Monthly Maintenance Fee as follows: Fidelity Saver Checking - Scheduled transfer to savings once a month for $35 (set up at time of acct. opening) or depository relationship greater than $2500.00. Fidelity Select Checking - Average daily balance of $1000.00 or total of loan balances and depository relationship greater than $25,000.00. Fidelity Elite Checking - Depository relationship greater than $100,000.00 or checking account daily balance greater than $5000.00.