How To Get A Free Credit Card From A Bank Account

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INSTITUTION Geauga Savings Bank 10800 Kinsman Road Newbury, OH 44065 Basic Checking:

DISCLOSURE OF INTEREST AND CHARGES

Minimum Balance Requirements: There are no minimum balance requirements for this account. Refer to the Service Fees Disclosure for a complete listing of fees and charges.

OVERDRAFTS

An overdraft fee applies to overdrafts created by checks, in person, withdrawal, ATM/Debit Card withdrawals, or other electronic withdrawal transfers.

Super Checking:

DISCLOSURE OF INTEREST AND CHARGES

Minimum Balance Requirements: You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $500.00 to obtain the disclosed annual percentage yield. An account maintenance fee of $6.00 will be imposed every month if the daily minimum balance falls below $500.00 any day of the statement cycle. Refer to the Service Fees Disclosure for a complete listing of fees and charges.

OVERDRAFTS

FREQUENCY OF RATE CHANGES

We may change the interest rate for your account at any time. COMPOUNDING AND CREDITING

Interest will be compounded on a monthly basis. Interest will be credited to your account on a monthly basis. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks).

Interest accrued will be credited and paid upon closing. 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.

Refer to separate rate sheet for current interest rate and annual percentage yield information.

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Regular Business Checking:

DISCLOSURE OF INTEREST AND CHARGES

Minimum Balance Requirements:

You must deposit $50.00 to open this account. An account maintenance fee of $12.00 will be imposed every statement cycle if the daily balance in the account falls below $3,000.00 any day. A per item fee of $0.35 will also be imposed for every check written during the month if the daily balance falls below $3,000.00 any day of the month. Refer to the Service Fees Disclosure for a complete listing of fees and charges.

OVERDRAFTS

TRUTH-IN-SAVINGS ACT

ACCOUNT DISCLOSURE

Business Checking

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Certificates of Deposit

DISCLOSURE OF INTEREST AND CHARGES

Minimum Balance Requirements:

The minimum deposit to open this account is $1,000.00. You must maintain a minimum daily balance of $ 1,000.00 in the account each day to obtain the disclosed annual percentage yield. Refer to the Service Fees Disclosure for a complete listing of fees and charges.

COMPOUNDING AND CREDITING

For terms twelve months and less, interest will be credited at maturity. Terms greater than one year, interest will be compounded annually on anniversary and credited at maturity date. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

BALANCE AND COMPUTATION METHOD

TRANSACTIONS LIMITATIONS

You may not take withdrawals from or deposit into this account until the maturity date. TIME REQUIREMENTS

Your account will mature on ________. EARLY WITHDRAWAL PENALTY

We may impose a penalty if you withdraw any of the deposited funds before the maturity date. The fee imposed will be 90 days interest for terms 12 months or less,180 days interest for 18 month term, and 365 days interest for terms 24 months and greater. RENEWAL POLICY

This account will automatically renew at maturity at the then current rate, which may be less than your current rate. You will have 7 calendar days after the maturity date to withdraw funds without penalty.

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DISCLOSURE OF INTEREST AND CHARGES Minimum Balance Requirements:

High Yield Savings: You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield. An account maintenance fee of $10.00 will be imposed every month if the daily minimum balance falls below $1,000.00 any day of the month.

Statement Savings: You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $100.00 to obtain the disclosed annual percentage yield. An account maintenance fee of $3.00 will be imposed every month if the daily minimum balance falls below $100.00 any day of the month.

Money Market: You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield. An account maintenance fee of $8.00 will be imposed every month if the daily minimum balance falls below $2,500.00 any day of the month.

TRANSACTION LIMITATIONS

You may make only 6 transfers/withdrawals per calendar month or statement cycle of at least 4 weeks (not including those made by mail, in person, by telephone with check mailed to you, messenger, ATM or to repay loans with us). These may be payments by check, draft, debit card or similar order to third parties. An $8.00 charge will be assessed for each transfer/withdrawal that exceeds the limit of 6. Repeated occurrences over the limit may result in the closing of this account.

FREQUENCY OF RATE CHANGES

We may change the interest rate for your account at any time. COMPOUNDING AND CREDITING

Interest will be compounded on a quarterly basis with the exception of Money Market which is monthly. Interest will be credited to your account on a quarterly basis with the exception of Money Market which is monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (checks, for example). Interest accrued will be credited and paid upon closing.

OVERDRAFTS

BALANCE COMPUTATION METHOD

TRUTH-IN-SAVINGS ACT

ACCOUNT DISCLOSURE

Savings

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Account Super Checking Basic Checking Interest Rate 0.35% none APY 0.35% none Advantage

Checking none none

0.45% 0.45% Advantage Direct Checking

Personal Checking

Savings Accounts

Certificates of Deposit

Business Checking

Account Regular Business Checking Interest Rate none APY none Account 3 Months 6 Months 9 Months 12 Months 18 Months 24 Months 30 Months 36 Months 48 Months 60 Months Interest Rate .25% .25% .35% .40% .50% 1.00% 1.00% 1.15% 1.25% 1.35% 1.60% .35% .40% .50% 1.00% 1.00% 1.15% 1.25% 1.35% 1.60% APY

INSTITUTION: Geauga Savings Bank 10800 Kinsman Road • Newbury, OH 44065

Penalty fee for early withdrawal.

Account Statement Savings Money Market Account High Yield Savings

Interest Rate APY