We are so excited to join you on the Olympic Peninsula!

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We are so

excited to

join you on

the Olympic

Peninsula!

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A Letter from our CEO

Welcome to 1st Security Bank of Washington (“1SB”). We are a local bank focused on the Puget Sound region and we are very excited to now have the opportunity to serve you as well as many other great clients in the communities of Port Angeles, Sequim, Port Townsend and Hadlock. We hope that this Welcome Guide is a helpful tool as we get to know each other better. If you are unable to find answers to any of your questions in the guide, by all means, give us a call. Unlike many banks these days, we actually answer the phone. Yes, believe it or not, we want to talk with our clients!

As you may be aware, as part of the branch purchase transaction, 1SB was able to offer all of your current branch bankers employment here at 1SB. We can’t wait to work with our new teammates and we are excited that you will be able to continue working with bankers you have come to know and trust. We truly see this as a win-win for everyone.

As I mentioned above, if you have any questions, please do not hesitate to call us. We would love to chat with you.

Take care and we look forward to serving you soon!

Joe Adams CEO

1ST SECURITY BANK

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5 WELCOME TO 1ST SECURITY BANK

Save the Dates

Welcome to the 1st Security Bank family. We want to make this the smoothest, easiest transition possible, so here are a few important dates to keep in mind:

1st Security Visa Debit Cards

12/30/15 New 1st Security Visa debit cards mailed

01/22/16 Last day Bank of America debit card may be used 01/22/16 First day to use new 1st Security debit card

Checking

12/23/15 New 1st Security business check orders mailed 01/04/16 New 1st Security personal check orders mailed 01/22/16 Begin using your 1st Security Bank checks

Online Banking

01/19/16 Bank of America’s Bill Pay service becomes unavailable 01/25/16 1st Security Bank’s online banking services become available

Branch Banking

01/22/16 Final day of business as Bank of America at Port Angeles, Sequim, Port Townsend and Hadlock branches. All locations will be closing at noon.

01/25/16 First day of business as 1st Security Bank at Port Angeles, Sequim, Port Townsend and Hadlock branches. Branches will reopen at 9am.

Extended Customer Service Hours (1-800-658-7744):

01/04/16 Monday-Friday 8am – 8pm

Saturday 9am – 1pm

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Section I

Personal Deposit Accounts

Personal Checking Accounts

Your existing Bank of America Checking Account eBanking Checking, Core Checking, Safe Balance Checking, Regular Checking, Relationship Non-Interest Checking, Tiered Interest Checking, Interest Checking and Wealth Management Interest Checking Senior Economy Checking

Your existing Bank of America Savings Account

Regular Savings* and Custom Savings*

Minor Savings

GWIM Money Market Savings*. Money Market Savings, Personal Money Market Savings

Your 1st Security Bank Checking Account

1st Options Checking – see page 10

1st Classic Checking – see page 11

Your 1st Security Bank Savings Account

Preferred Savings – see page 12

Youth Savings – see page 12

Tiered Rate Money Market – see page 13

Schedule of Fees: Applicable to all checking accounts at 1st Security Bank, unless otherwise noted. Refer to Schedule of Fees & Charges in back of this Guide. Fees may reduce earnings. *Includes Relationship Continuum, Standard, Premium and Preferred Accounts

WILL BECOME

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10 SECTION I: PERSONAL DEPOSIT ACCOUNTS WELCOME TO 1ST SECURITY BANK 11

Personal Checking Accounts Personal Checking Accounts

Personal Interest Checking Accounts Earns Interest

Free Mobile banking with phone check deposit Online Banking

Cashier’s Checks ATM Usage Check Orders

How to avoid monthly maintenance fees Monthly Maintenance Fees

Minimum Daily Balance

Your 1st Security Bank 1st Classic Checking Yes

Yes

Free access to accounts, Bill Pay and balance information; fees may apply to other services.

Free – Limit one per day. $5.00 for each additional Cashier’s Check Free at over 24,000 locations in the MoneyPass®_network Two free boxes of single standard checks per year Free to customers 62 and better

N/A $0.00

Schedule of Fees: Applicable to all checking accounts at 1st Security Bank, unless otherwise noted. Refer to Schedule of Fees & Charges in back of this Guide. Fees may reduce earnings. 1st Classic Checking is designed for customers age 62 and up. This interest-bearing checking account has no monthly maintenance fee and comes with lots of free bells and whistles, including Online Banking and Bill Pay, Mobile Banking and Deposit, Online Statements and Online Check Images, and 24-Hour Telephone Banking.

And once you get settled in with us, if you decide that another type of checking account fits you better, no worries at all – we can upgrade your account to our eBanking Express Checking or 1st Premier Checking with just the click of a button. Feel free to check them out at www.fsbwa.com.

Personal Non-Interest Checking Accounts Free Mobile banking with phone check deposit Online Banking

Cashier’s Checks ATM Usage

Charge for using out-of-network ATMs Check Orders

How to avoid monthly maintenance fees

Monthly Maintenance Fees Minimum Daily Balance

Your 1st Security Bank 1st Options Checking Yes

Free access to accounts, Bill Pay, and balance information; fees may apply to other services

Free – Limit one per day $5.00 for each additional Cashier’s Check Free at over 24,000 locations in the MoneyPass®_network $2.00 each ATM use, and fee charged by ATM owner Free first box of single, standard checks Do one of the following:

• Maintain a minimum daily balance of at least $300 • Receive a monthly direct deposit

• Perform eight point of sale transactions

• Perform two bill payments or two ACH external withdrawals per month $7.00

$300.00

Schedule of Fees: Applicable to all checking accounts at 1st Security Bank, unless otherwise noted. Refer to Schedule of Fees & Charges in back of this Guide. Fees may reduce earnings. Enjoy the flexibility of a basic checking account with multiple options to avoid paying a monthly maintenance fee.

And once you get settled in with us, if you decide that another type of checking account fits you better, no worries at all – we can upgrade your account to our eBanking Express Checking or 1st Premier Checking with just the click of a button. Feel free to check them out at www.fsbwa.com.

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Personal Savings & Money Market Accounts Personal Savings & Money Market Accounts

Savings Accounts

Current Annual Percentage Yield (APY) Minimum Daily Balance

Monthly Maintenance Fee How to avoid monthly service charge ATM Usage

Charge for using out-of-network ATMs

1st Security Bank’s Preferred Savings 0.05%

$300.00 $10.00

Maintain a min. daily balance of at least $300. Maintain an active 1SB checking account.

Free at over 24,000 locations in the MoneyPass®_network $2.00 each ATM use, and fee charged by ATM owner Savings Accounts

Current Annual Percentage Yield (APY) Minimum Daily Balance

Monthly Maintenance Fee

How to avoid monthly maintenance fee ATM Usage

Charge for using out-of-network ATMs

1st Security Bank’s Youth Savings 0.10%

$0.00 Free N/A

Free use of more than 24,000 ATMs in the MoneyPass ATM network $2.00 each ATM use, and fee charged by ATM owner

Personal Money Market & High-Yield Savings Accounts Current Annual Percentage Yield (APY) Minimum Daily Balance

Minimum balance to earn interest Monthly Maintenance Fee

How to avoid monthly maintenance fee

1st Security Bank’s Tiered Rate Money Market .01% to .20%

$1,500.00 N/A $15.00

Maintain a min. daily balance of at least $1,500.00 Please Note: Fees may reduce earnings.

Preferred Savings

This is the savings account that works for everyone. If you maintain an active checking account OR keep a minimum daily balance of $300, there is no monthly maintenance fee.

Please Note: Fees may reduce earnings.

Tiered Rate Money Market

If you’d like to earn a higher interest rate than offered by our Preferred Savings account, consider this account. The interest rates are tiered, so you earn more if you deposit more. If you maintain a minimum daily balance of $1,500, there is no monthly maintenance fee.

Youth Savings

Teach your youngster about banking and how to save money. Our Youth Savings account requires only $5 to open, pays a competitive rate of interest, and has no monthly maintenance fee. While you can always read about how banking works, there is no better teacher than experience.

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14 SECTION I: PERSONAL DEPOSIT ACCOUNTS

“I love the community atmosphere at 1st Security Bank and how the employees make you feel like family. I look forward to a long relationship with 1st Security Bank.”

Carol Houston, Realtor Keller Williams Realty, Inc. Capitol Hill Branch Customer Certificates of Deposit (CDs)

& Individual Retirement Accounts (IRAs)

1. There will be no changes to your current CD terms and conditions.

2. Your CDs will not automatically renew. A notice will be mailed to you in advance of maturity and you will have the opportunity to choose from one of our existing products.

3. 1st Security Bank will assume the role as custodian for all IRA accounts.

For current interest rates and annual percentage yields (APYs) on these accounts, visit www.fsbwa.com or call 1-800-658-7744, Monday – Friday, 8am – 7pm.

IRA Money Market Accounts Current Annual Percentage Yield (APY) Minimum Daily Balance

Minimum balance to earn interest Monthly Maintenance Fee Annual Custodial Charge Transfer Fee

How to avoid monthly maintenance fee

1st Security Bank’s Tiered Rate IRA 0.20% $1,500.00 N/A $15.00 $15.00 * $0

Maintain a minimum daily balance of at least $1,500.00 Please Note: Fees may reduce earnings.

*Annual Custodial Fee is waived with an active eBanking Express Checking, Home 1st Checking,or 1st Premier Checking accounts.

Individual Retirement Accounts (IRAs) An IRA is a great way to save for your retirement. IRAs offer potential tax savings and the ability to compound your money through contributions and interest earnings. With our Tiered Rate IRA the interest rates are tiered, so you earn more if you deposit more.

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Important Information for Checking Account Customers

Personal Checks

• A starter order of checks will be mailed to you beginning January 4, 2016. • Included with your starter checks will be instructions for ordering one complimentary box of checks.

Business Checks

• A starter order of checks will be mailed to you beginning December 23, 2015. • Included with your starter checks will be instructions for ordering

permanent replacement checks and supplies with a discount coupon or code.

How can you help assure a smooth account transition?

• You may begin using your new 1st Security Bank checks on January 22, 2016. Any outstanding checks from your Bank of America account will be honored for 60 days.

• Your checking account number will not change, however your new routing and transit number is 325182289.

• Please notify senders of any Direct Deposit (ACH) deposits or withdrawals of the new routing and transit number (325182289) and instruct them to make the change effective for any transaction processing on or after January 23, 2016.

• Any outstanding Direct Deposit/Withdrawal (ACH) items will be forwarded to your 1st Security Bank account for 60 days, until March 25, 2016.

After this date, all items received by Bank of America will be returned to the sender.

“We can always count on prompt service, extra care with our financial needs and support of Fishline’s Mission. Employees of the bank even volunteer with Fishline every week – a great example of their desire to go above and beyond in service to our community.”

Mary Nader,

North Kitsap Fishline Food Bank Poulsbo Branch Customer

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18 SECTION I: PERSONAL DEPOSIT ACCOUNTS WELCOME TO 1ST SECURITY BANK 19 Debit Cards & ATMs

Debit Cards

• All current Bank of America Visa debit cards will be replaced by 1st Security Bank Visa®_{debit cards.} • Your new 1st Security Bank debit card will have a new card number. • Your daily purchase limit is the available balance in your checking account or $2,500, whichever is less.

• Your daily ATM withdrawal limit is the available balance in your checking account or $700, whichever is less.

• The last day you may use your Bank of America Visa debit card is Friday, January 22, 2016. • You may begin using your 1st Security Bank debit card on Friday, January 22, 2016. • You may set your new personal identification number (PIN) by following the instructions you receive with your new 1st Security Bank Visa debit card.

How can you help assure a

smooth account transition?

• Watch for your new 1st Security Bank Visa debit card and instructions for setting your PIN. • Provide your new 1st Security Bank debit card number and expiration date to any merchant or bank where your existing debit card is being used for automatic/recurring charges (for example, an athletic club monthly payment).

Overdraft Protection

• If you currently have an overdraft line of credit protection on your checking account tied to your Bank of America Visa credit card, that credit account will not be transferred to 1st Security Bank. • 1st Security Bank can provide overdraft protection by linking another deposit account (savings or money market account) to your checking account. If your checking account becomes overdrawn, we will transfer money automatically

from the linked account to your 1st Security Bank checking account. The fee for this transfer is $10 but will be waived for the first 3 months.

Account Statements

• Deposit statements such as checking and money market accounts are produced monthly and generally available by the 3rd business day of the following month.

• Other deposit statements such as savings and CDs may be produced quarterly or semi-annually.

• If you are currently enrolled in electronic statement delivery through Bank of America’s online banking, you will be able to access your electronic statements without re-enrolling.

Personal Credit Cards

Your existing Bank of America credit card will remain with Bank of America.

Debit Cards & ATMs

ATMs

• There are ATMs at all 1st Security Bank branches.

• Deposits may be made directly to your account at most 1st Security Bank ATMs.

• You also have the benefit of using more than 24,000 surcharge-free ATMs nationwide through the MoneyPass®_{ATM network.}

Regardless of where you may be in the US you can always find the nearest surcharge-free ATM by visiting our website, fsbwa.com, or the MoneyPass website: moneypass.com. You can also download the MoneyPass mobile app in the App Store or at Google Play.

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Online Banking

Bank of America will continue your current personal online banking service with them; however you will no longer be able to view your transferred accounts using their online banking service after January 22, 2016. Your Bank of America bill pay tab will be disabled at 2:00 pm on January 19, 2016, however payments scheduled to occur through and including January 22, 2016 will be processed by Bank of America.

1st Security Bank’s personal online banking service and bill pay service will become available to you no later than January 25, 2016. We will be sending you a letter in mid-December that will contain your username and password information, and will go into more detail about the online services we offer. Please watch your mail for this important document!

Online Banking

How can you help assure a

smooth account transition?

• As of January 25, 2016, please log on to 1st Security Bank’s online banking to:

> Re-establish any future bill payments you want to schedule > Re-establish any future electronic bill presentments (bills that are sent to you electronically) > Personalize your online banking by setting up alerts

• Your 1st Security Bank account(s) history will begin on January 25, 2016 and track forward.

• Print or save your existing account history from Bank of America online banking and keep that information in your personal files. • Print or save your existing eStatements from Bank of

America and keep that information in your personal files.

Have questions or need

assistance with 1st Security

Bank’s online banking service?

Contact 1st Security Bank staff at your local branch for personal assistance with online banking. You may also reach out to our Customer Service Welcome Center at 1-800-658-7744.

Personal Online Banking

Features and Benefits

• Access your accounts for up-to- date information when you need it • Customize your online banking experience by creating account nicknames

• Export your transaction history to Quicken®_{or an Excel spreadsheet} • View front and back of cancelled check images – print or save them to your computer

• Set up email alerts

• Set up one-time or recurring transfers between your 1st Security Bank accounts

• Pay bills, set up automatic payments and more

Business Online Banking

Features and Benefits

• Transfer funds between your 1st Security Bank accounts • View loan balances and history • Review all completed transactions • Create new payees, pay your bills and view your payment history all within online Bill Pay • Create alerts

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Free Consumer

Mobile Banking

Whether you need to check your account balance at the grocery store or transfer money between accounts while on the go, 1st Security Bank has you covered with Mobile Banking. And that’s not all. Our FREE Mobile App is available for iPhone, iPad, Android phones and Android tablets and gives you the flexibility to:

• Deposit checks

• Check your account balance • View your transaction history • Pay bills to current payees • Create new bill pay payees* • Make internal transfers of funds (between accounts of same ownership)

• Search for surcharge-free ATMs in the MoneyPass network

Mobile & Telephone Banking

Enjoy the convenience and security of Mobile Banking from 1st Security Bank. If you are already enrolled in our Online Banking, you are set up to go mobile. If not, sign up for Online Banking to access Mobile Banking.

Free 24-Hour Telephone Banking

Access to account information or transferring funds is just a phone call away. With 1st Security Bank’s 24-Hour Telephone Banking service, you can do the following:

• Account balance inquiries

• Recap of most recent transactions • Transfer funds (between accounts of same ownership)

A Bank that’s

local. Like you.

Customer Service

We understand that you may not be able to schedule a visit to a branch during the day. That’s why we maintain a team of dedicated banking specialists in our Welcome Center who have the expertise to answer your questions and help you with a variety of banking questions, including online banking.

Call our Welcome Line at 1-800-658-7744, or email us your questions at [email protected]. Hours: Monday – Friday,

8:00 am to 7:00 pm

Customer Service

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Section II

Business Deposit

Accounts

Business Checking Accounts

“We are a family-owned business and from the day we met, 1st Security has treated us like family.”

The Ellersick Family, Big E Ales Lynnwood Branch Customers

Your existing Bank of America Checking Account

Bank of America’s Business Advantage Checking, Business Fundamentals Checking*, Business Economy Checking, Business Interest Checking, Full Analysis Business Checking

Bank of America’s Public Service Trust Account

Your existing Bank of America Money Market Account Bank of America’s Business Interest Maximizer,

Select Business Interest Maximizer, Business Investment Account, Platinum Business Interest Maximizer

Your 1st Security Bank Checking Account

1st Business Checking – see page 26

1st Security Bank’s Pooled IOLTA Checking – see page 27

Your 1st Security Bank Business Money Market Account

1st Security Bank’s Business Money Market – see page 28 WILL BECOME

WILL BECOME

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26 SECTION II: BUSINESS DEPOSIT ACCOUNTS WELCOME TO 1ST SECURITY BANK 27

Business Checking Accounts Business Checking Accounts

Business Non-Interest Checking Accounts Online Banking

How to avoid monthly maintenance fees Minimum Daily Balance

Transaction Limit

Fee per transaction beyond limit Cash Deposited Limit Fee for cash deposit over limit Monthly Maintenance Fee

Your 1st Security Bank 1st Business Checking Account Free standard Business Online Banking

Maintain a combined minimum daily balance of $1000 or more $1000.00

250 items plus 30 deposits (up to 300 checks deposited free) $0.15 per item

N/A N/A $7.00

We’ve done our best to keep your choices clear and simple depending upon the type of company you run. 1st Business Checking is our best account for growing businesses with moderate account activity and balances.

Once you get settled in with us, if you decide that another type of checking account fits you better, no worries at all – we can upgrade your account to our Premier Business Checking with just the click of a button. Feel free to consider the options at www.fsbwa.com.

Business IOLTA Accounts Minimum Daily Balance Earns Interest Current Interest Tiers Monthly Maintenance Fee

How to avoid monthly maintenance fees Online Banking

1st Security Bank’s Pooled IOLTA Checking Account N/A

Yes

Static rate with no tiers N/A

N/A

Free standard Business Online Banking

Pooled IOLTA Account (Interest On Lawyers Trust Accounts)

What makes 1st Security Bank’s IOLTA Account different? No monthly fees, only $25 required to open, and no minimum balance requirements.

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28 SECTION II: BUSINESS DEPOSIT ACCOUNTS Business Money Market Accounts

Business Money Market Accounts Online Banking

How to avoid monthly maintenance fees Interest Tiers

Transaction Limit

Fee per transaction beyond limit Cash Deposited Limit Fee for cash deposit over limit Monthly Maintenance Fee Minimum Daily Balance

Your 1st Security Bank 1st Business Money Market Account Free standard Business Online Banking

Maintain a combined minimum daily balance of $1500 or more Up to $9,999.99 $10,000 – $24,999.99 $25,000 – $49,999.99 $50,000 – $99,999.99 $100,000 – $249,999.99 $250,000 – $999,999.99 $1,000,000 and more

Unlimited transactions, i.e., ATM, in-person or mailed withdrawals or transfers, unlimited deposits. On certain transactions, six per month limitation;** if exceeded in a one month period, fee is $25.00 per day for each day it occurs.

N/A N/A N/A $7.50 $1500.00

Our Business Money Market deposit account is designed for businesses with larger savings balances. If you maintain an average daily balance of $1,500 or more in this account, you will not pay a monthly maintenance fee.

Once you get settled in with us, if you decide that another type of business savings account fits you better, no worries at all – we can upgrade your account with just the click of a button. Feel free to consider the options at www.fsbwa.com.

“The staff personally took the time to get to know us and our business. They make sure that all of our needs are met and quickly respond to any issues that come up. We recommend 1st Security Bank to any business person who appreciates personal service from a bank.”

Jordan Lorz and Larry Hsu Kollmar Sheet Metal

Capitol Hill Branch Customers **Limit of 6 combination of transfers utilizing the following services: Checks, Debit Card/POS activity, telephone or

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Section III

Frequently Asked Questions

This document is intended to address some of the most frequently asked questions regarding the acquisition. We are dedicated to making your transition to 1st Security Bank as easy as possible and more information will be provided to you in the weeks leading up to the conversion.

When will the conversion to 1st Security Bank accounts and services occur?

The conversion is scheduled for the weekend of January 22, 2016. The changes to your account will be noticeable on Saturday, January 23, 2016.

Will the business hours at my branch change?

Yes, drive-up and lobby hours will change to 1st Security Bank’s system-wide branch hours: Monday - Thursday, 9 am - 5 pm and Friday, 9 am - 6 pm. All branches will be closed on Saturday beginning January 23, 2016.

Frequently Asked Questions

Will the phone number of my branch remain the same?

Yes, branch phone numbers will remain the same.

Will any of my current services be unavailable during the conversion weekend?

Yes, you will be unable to access your accounts through online banking during the conversion weekend. However, you will have access to your checking account through the use of your new 1st Security Bank debit card and checks.

Does 1st Security Bank offer a Personal Mobile Banking application?

Yes, 1st Security Bank’s Personal Mobile Banking application is available for Apple and Android.

Download the free app from the App store for iPhone or iPad, or from Google Play for Android devices.

Will my deposit account numbers change?

No, your deposit account numbers will not change. However, the bank routing and transit number (RTN) will change to 1st Security Bank’s routing number which is 325182289.

Will I have to order new checks for my consumer checking account?

Yes. 1st Security Bank will mail a starter supply of checks on January 4, 2016. This will include instructions on how you can order your first complete supply of checks or deposit slips free of charge. You can start using your 1st Security Bank checks on January 22, 2016 and you should destroy your remaining Bank of America checks at that time. Business accounts will be mailed a starter supply of checks on December 23, 2015. They will also receive instructions for ordering checks and supplies with a discount.

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32 SECTION III: FREQUENTLY ASKED QUESTIONS WELCOME TO 1ST SECURITY BANK 33

Frequently Asked Questions Frequently Asked Questions

Will my outstanding Bank of America checks transfer through to my new 1st Security Bank checking account?

Yes, any outstanding Bank of

America checks will be processed for 60 days after the conversion. After this 60-day period, Bank of America will return them to the payee. After the conversion on January 22, 2016, you should immediately begin using your 1st Security Bank checks.

Will my Direct Deposit (ACH) deductions/deposits transfer without interruption or will I have to set them up again?

All existing ACH withdrawals/de-posits will continue to be processed without interruption for 60 days after conversion. However, you will need to contact all organizations that you have given standing ACH instructions to and inform them of the change to the 1st Security Bank routing number of 325182289.

I currently have a certificate of deposit (CD). Will my rate change?

No, 1st Security Bank will honor the rate on your CD for the duration of the certificate term. We will mail you an advance reminder of maturity approximately two weeks prior to the end of your CD term. At that time, you may transition to one of our competitive deposit products. To view 1st Security Bank’s current rates, please visit www.fsbwa.com.

Does 1st Security Bank belong to the same ATM network as Bank of America?

No. You may use any 1st Security Bank ATM free of charge, as well as any ATM participating in the Money Pass Network. To locate an ATM in this network, please use the ATM finder option on our website www.fsbwa.com, or download the free MoneyPass app.

Will my debit card number change?

Yes, your debit card number will change. Your new 1st Security Bank debit cards will be mailed December 30, 2015. You will receive further instructions about the use of your new debit card when you receive your card in the mail.

Will my IRA transfer to 1st Security Bank?

Yes, 1st Security Bank will become the new custodian of your IRA.

Will my Bank of America credit card transfer to a 1st Security Bank credit card?

No, your existing credit card will remain with Bank of America.

Will my deposits still be FDIC-insured?

Yes, your accounts will be insured up to the maximum amount allowed by the FDIC, provided they meet certain requirements. Please note that if you have accounts at 1st Security Bank before January 22, 2016, those account balances will be added together with the accounts that are coming over from Bank of America and will be insured together up to the maximum. The FDIC calculator website, www.fdic.gov/edie/ calculator.html, can assist you in determining your FDIC coverage.

Where can I find additional

information about 1st Security Bank and its products and services?

Visit our website at www.fsbwa.com, or contact our Customer Service Center at 1-800-658-7744 or

[email protected] with questions or for additional information.

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Current Schedule of Fees

and Charges

Abandoned/Dormant Account $60.00

Account Overdraft Transfer from Savings $10.00/transfer

Account Research $10.00/ 15 min

 • Legal Claims & Orders

 • Immigration Account Verification  • Balancing Account/Checkbook  • General Account Research

Armored Car Service** $25/per week, plus

fuel & taxes

1st Debit Design Debit Card $10.00/card

ATM/Debit Card – Replace $15.00/card

(First 2 cards per account are free)

ATM/Debit Card Rush Orders $50.00/card

ATM Use – Out of Network $2.00/use

Cancelled Check Copy $2.00/copy

Check Cashing

(Non-Customer cashing an “on-us” check) $5.00/check

Courier Service** Quote available

(subject to time of delivery and location) upon request

Fees & Charges

** Applies to business products only

Section IV

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36 SECTION IV: FEES & CHARGES WELCOME TO 1ST SECURITY BANK 37 Notary

 • Customer: No charge

 • Non-Customer: (per notarization) $5.00 Official (Cashier’s) Checks

 • Customer: $5.00/check

 • Non-Customer: $10.00/check

Returned Check $10.00/item

(Deposit item)

Sales Draft Copy $10.00/copy

(VISA Debit Card)

Special Handling** $10.00/month

Statement Copy $3.00

Stop Payment $30.00/stop

Sweeps

(to/from 1SB commercial line of credit)** $40.00/sweep Wire Transfer

 Incoming $10.00

 Outgoing – Domestic $20.00

 Outgoing – International in US funds $35.00  Outgoing – International in Foreign funds $25.00

* Applies to consumer products only ** Applies to business products only

Fees & Charges Fees & Charges

Current Schedule of Fees and Charges (continued)

Counter Checks $3.00/ page

(3 checks per page, minimum 1 page)

Custom Mail Processing** $5.00/ month

Excessive Transfers/Withdrawals $25.00/day

(Per day from savings or money market account exceeding the Transaction Limitations per month.)

Canadian Foreign Check Deposit $15.00/dep

Fax Notifications** $5.00/fax

HSA Annual Maintenance Fee* $15.00/year

Insufficient Funds (paid/returned item) $35.00/item

(Overdrafts created by check, in-person

withdrawal, ATM withdrawal, or other electronic means when funds are not on deposit)

IRA Annual Maintenance Fee* $15.00/year

Legal Processing Fee $100.00/req

(Requests for information from government and enforcement agencies, including, but not limited to: levies, subpoenas, and garnishments)

Medallion Signature Guarantee

 • Customer: No charge

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38 SECTION IV: FEES & CHARGES Fees & Charges

1st Express Deposit (Remote Deposit Capture)**

• Cancellation Fee $300.00

(if cancelled within first 12 months of service)

 • Monthly Fee (single feed scanner included) $40.00  • Monthly Fee (single feed scanner

customer purchased) $30.00

 • Monthly Fee (multi-feed scanner included) $75.00  • Monthly Fee (multi-feed scanner customer

purchased) $40.00

Business Online Banking**

 • Standard; multi-user logins, QuickBooks

compatible, detail reporting No fee  • Cash Management; In addition to the

services above, businesses will also receive ACH origination, transfers, stop payment, bill pay, EFTPS, Wire modules as well as Standard Features Wire Transfer

(all subject to approval) $35.00/mo

Fraud Prevention**

(Premier Business Checking Only)

 • Reverse Positive Pay $50.00/mo

Image Lockbox Services**

(Premier Business Checking Only) Fees based on the type

of service(s) required.

Contact Special Services

Dept for pricing information

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We are so excited to join you on the Olympic Peninsula!

We are so

excited to

join you on

the Olympic

Peninsula!

A Letter from our CEO

Table of Contents

Save the Dates

1st Security Visa Debit Cards

Checking

Online Banking

Branch Banking

Extended Customer Service Hours (1-800-658-7744):

Section I

Personal Deposit Accounts

Personal Checks

Business Checks

How can you help assure a smooth account transition?

Debit Cards

How can you help assure a

smooth account transition?

Overdraft Protection

Account Statements

Personal Credit Cards

ATMs

Online Banking

How can you help assure a

smooth account transition?

Have questions or need

assistance with 1st Security

Bank’s online banking service?

Personal Online Banking

Features and Benefits

Business Online Banking

Features and Benefits

Free Consumer

Mobile Banking

Free 24-Hour Telephone Banking

A Bank that’s

local. Like you.

Customer Service

Section II

Business Deposit

Accounts

Section III

Frequently Asked Questions

Current Schedule of Fees

and Charges

Section IV

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