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Personal Deposit Accounts

Personal Loan Products

Mortgage Loan Products

Open a New Account. Call our Personal Bankers today! (636) 970-0440

Personal Deposit Accounts

For more information, please call (636) 970-0440.

Checking Accounts

You can have all of the following ADVANTAGES when you open a checking account with us: Free Bank-By-Mail service Free Visa ATM/Debit Card No bank fees for using any ATM (however, other banks may assess a surcharge fee) No bank fees OR surcharge fees at ATMs in our Surcharge-Free Network Free Online Banking Free eStatements (electronic version of your account statement) Free document images of items posted to your account Free Bill Pay Service Free Telephone Banking (ADVANTAGE24) Free Automatic Transfer from another 1st Advantage Bank checking, money market or savings account You may apply for a Cash Reserve Loan that is tied to your deposit account to protect against overdrafts (Click here for details)

Free Checking

$100.00 minimum to open No minimum balance required to avoid fees  No monthly fees  No transaction fees Free first order of 50 duplicate checks Monthly account statement

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Regular Checking

$500.00 minimum to open If the average daily ledger balance for the statement cycle falls below $500.00, the service charge will be $5.00 per statement cycle No transaction limitations for checks or debits Images included with monthly account statement

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MMDA/Savings Accounts

You can have all of the following ADVANTAGES when you open a money market demand account (MMDA) or savings account with us: Free Bank-By-Mail service Free Online Banking Free eStatements (electronic version of your account statement) Free document images of items posted to your account Free Telephone Banking (ADVANTAGE24) Free Automatic Transfer from another 1st Advantage Bank checking, money market or savings account

Personal Money Market

$1,000.00 minimum to open If the average daily ledger balance for the statement cycle falls below $1,000.00, the service charge will be $10.00 per statement  cycle The account will be charged an Excess Debit Fee of $1.00 for each debit transaction in excess of six (6) per statement cycle By law, this account is allowed only six (6) pre-authorized transfers or withdrawals per month, and only three (3) may be payments by check to third parties Images included with monthly account statement Interest is calculated using the daily collected balance method, and interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks) If the collected balance falls below $1,000.00 on any day, interest is not earned for that day The account must maintain a specific collected balance in order to obtain the APY offered for each of the following interest rate tiers. On any day the balance qualifies for a respective tier, interest will be earned at the respective APY on the entire collected balance for that day         $1,000.00 to $24,999.99         $25,000.00 to $49,999.99         $50,000.00 to $99,999.99         $100,000.00 to $249,999.99         $250,000.00 - up  Interest is compounded monthly and added to the balance of the account on the last day of the statement cycle (monthly) The interest rate on this account may change at any time after the account is opened

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Personal Savings Account

$100.00 minimum to open       If the average daily ledger balance for the statement cycle falls below $100.00, the service charge will be $3.00 per statement cycle (quarter) The account will be charged an Excess Debit Fee of $1.00 for each debit transaction in excess of ten (10) per statement cycle (quarter) By law, this account is allowed only six (6) pre-authorized transfers or withdrawals per month The minimum to open, quarterly service charge and Excess Debit Fees are waived if account is opened by a person under the age of 18 whose parent/ guardian/grandparent has an account with us Quarterly account statement Interest is calculated using the daily balance method, and interest begins to accrue on the business day you deposit non-cash items (for example, checks) Interest is compounded quarterly and added to the balance of the account on the last day of the statement cycle (quarterly) The interest rate on this account may change at any time after the account is opened

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Miscellaneous Fees

Foreign ATM transaction                    $ 1.00   ATM/Debit Card Reissue                    $ 5.00   Balance Checkbook/     Record Research-per hr.               $ 10.00   Cashier's Check                               $   3.00   Check Collection                             $ 15.00   Box of Coin and Currency Wrappers  $  7.00   Statement Copy                              $   2.00   Cancelled Check Copy                     $   1.00   Garnishment, Attachment or Levy     $ 20.00  Returned Deposit Item                     $   5.00  Stop Payment Order                        $  20.00    Wire Transfer     Outgoing                                      $ 15.00      Incoming                                      $  10.00 Non-Sufficient Funds (NSF)     Paid Item NSF Fee                         $ 20.00      Return Item NSF Fee                      $ 20.00

Time Deposit Accounts

Certificates of Deposit (CDs)

$500.00 minimum to open  Terms ranging from 3 months to 5 years Interest is compounded and credited quarterly Early withdrawal penalties will reduce earnings A penalty of 1 month's interest may be imposed for CDs with terms of 6 months or less A penalty of 6 months' interest may be imposed for CDs with terms over 6 months CDs are automatically renewable, but there is a 10-day grace period from the maturity date to withdraw the funds without penalty

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Individual Retirement Accounts (IRAs)

$500.00 minimum to open  Terms ranging from 3 months to 5 years Interest is compounded and credited quarterly Early withdrawal penalties will reduce earnings A penalty of 1 month's interest may be imposed for IRAs with terms of 6 months or less A penalty of 6 months' interest may be imposed for IRAs with terms over 6 months IRAs are automatically renewable, but there is a 10-day grace period from the maturity date to withdraw the funds without penalty Regular IRAs and Roth IRAs offered

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Personal Loan Products

For more information, please call (636) 970-0440.

These products offer competitive rates and convenient monthly payment terms. The offer of the following personal loan products is subject to credit approval by 1st Advantage Bank.

Home Equity Line of Credit

Revolving line of credit secured by the equity in a personal residence or second home Advances are available by check, phone or mail Please contact 636-970-0440 for a complete disclosure of the terms and conditions of this product

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Home Equity Term Loan

A non-revolving loan with a fixed term secured by the equity in a personal residence or second home Use for home improvement, tuition costs or any other consumer purpose

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New Vehicle Loan

A loan for financing the purchase a new vehicle

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Used Vehicle Loan

A loan for financing the purchase of a used vehicle

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Cash Reserve Loan

Unsecured line of credit used to "cover" inadvertent overdrafts in a 1st Advantage Bank checking account The deposit account at 1st Advantage Bank is automatically debited for monthly payment

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Advantage Line

Revolving line of credit secured by negotiable collateral (for example, a Certificate of Deposit) Use for home improvement, tuition costs or any other consumer purpose

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Mortgage Loans Products

For more information, please call (636) 970-0440.

These products offer competitive rates and convenient monthly payment terms. The offer of the following mortgage loan products is subject to credit approval by 1st Advantage Bank.

Bridge Loan

A short-term loan that "bridges" the gap between the purchase of a new dwelling and the sale of the borrower's current dwelling The borrower's current dwelling is used as collateral and the money is used to close on the new dwelling before the current dwelling is sold

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Construction Loan

A short-term, interim loan for financing the cost of construction of a 1-4 family dwelling Borrower must provide a loan commitment for permanent financing of the dwelling

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Pre-Construction Lot/Land Loan

A loan for financing the purchase of a lot or land suitable for construction of a 1-4 family dwelling Secured by a vacant lot in an established single-family residential section or in an area set aside primarily for 1-4 family dwellings

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Fixed Rate Mortgage Loan

Monthly payments are fixed over the life of the loan Interest rate does not change Protected if rates go up Can refinance if rates go down

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Adjustable Rate Mortgage Loan (ARM)

Lower initial monthly payment Lower payment over a shorter period of time Rates and payments may go down if rates improve May qualify for higher loan amounts

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Balloon Mortgage Loan

Lower initial monthly payment Lower payment over a shorter period of time Many balloon mortgages offer the option to convert to a new loan after the initial term

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First Time Buyer Program Loan

Lower down payment Easier to qualify Sometimes you may get lower rates

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To help you decide what mortgage loan product might be best for you, please use this as a guide: