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.         Checks paid over limit, six 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tax-free      income during your retirement        • Your money going into the Roth IRA is      taxed; your money later withdrawn, which      may potentially include significant amounts      of earnings, is tax-free if you follow certain      requirements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
Wire Transfers	Domestic or International
Safe Deposit Boxes	Keep your valuables safe from fire, theft, or    loss
Special Checks	• Cashiers Checks    • American Express Travelers Cheques    • American Express Gift Checks