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Charge does not apply if a customer maintains $1,000 daily collected available balance or $50,000 in combined loan and deposit balances (excluding credit cards).  4

Charge does not apply if a customer maintains a $100 daily collected available balance.   5

1 First County Bank is a member of the Allpoint network, giving you access to more than 43,000 ATMs in the continental U.S. and certain areas internationally. There are no transaction fees or surcharges when you use Allpoint member ATMs (within the continental U.S.) to access your First County Bank account.

2 Applies to new account openings for “Monthly ATM Debit Fee” of $1.00

3 Insurance products are not FDIC insured; not insured by any government agency, not a deposit or other obligation of First County Bank, not guaranteed by First County Bank, and are subject to

investment risk, including the possible loss of the principal.

4 A “Monthly Maintenance Service Charge” of $15.00 will apply if: (1) at any time during the “InterestAccess” checking account statement cycle, the end of day collected available balance falls below $1,000.00; or (2) if at any time during the “InterestAccess” checking account statement cycle period, your combined deposit and loan balances (held with First County Bank) fall below $50,000.00. Deposit account balances are assessed by the daily collected available balance. Loans balances are assessed by the principal loan amount (excluding credit cards). Note that a separate $1.00 “Monthly ATM Debit Fee” will apply to this account.

5 If the daily collected available balance falls below $100.00 at any time during the statement, a $10.00 “Monthly Maintenance Service Charge” will apply. Note that a separate $1.00 “Monthly ATM Debit Fee” will apply to this account.

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