Designed for Customers who      • Want to earn an attractive interest rate on deposits with limited check writing       Standard Features      • Open an account with $1000      • Tiered interest rates according to balance      • Canceled checks are enclosed with your monthly statement      • Avoid service charge of $10 with a daily collected balance of $2500 in a monthly        statement cycle      • Bank designed checks printed with your name and address at no charge      • Compounded daily collected balance method is used to calculate interest to be        credited on last day of statement cycle   Limitations      • Federal regulations limit total transactions to no more than six pre-authorized        withdrawals, automatic transfers, and telephone transfers per statement cycle.         Of the six, no more than three may be checks or drafts. Checks paid over limit,        three per statement cycle, will be charged $10 per check

Designed for Customers who      • Want to place a specified amount of money on deposit for a definite amount        of time at a guaranteed rate   Standard Features      • Open a CD account with as little as $1000      • Terms can range from seven days to two years      • CDs are insured by the FDIC up to the maximum allowed by law      • Penalties may apply for early withdrawal

Traditional IRAs	Roth IRAs
• Often, contributions are 100% deductible    • IRAs are one of the most viable answers to      the question of how to assure a secure      retirement        • Traditional IRAs offer:       · independence, and can be opened and          funded without any employer participation,       · immediate tax benefits, with contributions         and /or earnings tax-deferred until         retirement       · accessibility, with assets always available         (something not generally true of employer         plans), and       · flexibility, because IRA owners choose their         contribution amount (within limits), invest-         ments, and the financial organization	• Contributions are not deductible            • Roth IRAs can provide you with tax-free      income during your retirement        • Your money going into the Roth IRA is      taxed; your money later withdrawn, which      may potentially include significant amounts      of earnings, is tax-free if you follow certain      requirements

Bill Pay	Pay your bills electronically via the Internet
Telephone Banking	24 Hour Telephone Banking System
Bank - By - Mail	Postage paid both ways
Automatic Teller Machine	No transaction fees at Liberty Bank's ATMs
Silver & Blue Club	Specially designed program for our customers   55 and plus
Direct Deposit Service	Allow funds to be electronically transferred to  your account such as    • Direct Payroll Deposit - If checking account      maintained as Liberty Bank, account will be      free of monthly maintenance fee    • Direct Social Security Deposit    • Pensions
Wire Transfers	Domestic or International
Safe Deposit Boxes	Keep your valuables safe from fire, theft, or    loss
Special Checks	• Cashiers Checks    • American Express Money Orders    • American Express Travelers Cheques    • American Express Gift Checks