YOUR MEMBERSHIPASK US FOR DETAILS!

MEMBER FDIC

SUPER-SIZE

GETTING THE MOST OF YOUR MEMBERSHIP

BIG BENEFITS • BEST VALUE

We offer Super-size options to give you big benefits and the best value.Let’s start with a few questions to see which account might be the best fit for you.

Banker side:

MEMBER FDIC

GETTING THE MOST OF YOUR MEMBERSHIP

BIG BENEFITS • BEST VALUE

MEMBER FDIC

gETTINg To kNoW you ...• Do you keep a high deposit balance with us? ......................yes=Platinum

• Do you prefer a low-cost account? ............................................yes=Silver

• Do you want added insurance protection? ................................yes=Silver

• Do you like CDs? ................................................................yes=Platinum

• How many checks do you write each month?.......... Both Receive Free Box

• Do you like added value and perks with your checking? ...........yes=Silver

Banker side:

MEMBER FDIC

MEMBER FDIC

gETTINg To kNoW you ...

• Do you keep a high deposit balance with us?• Do you prefer a low-cost account?• Do you want added insurance protection?• Do you like CDs?• How many checks do you write each month?• Do you like added value and perks with your checking?

MEMBER FDIC

PERSONAL CHECKING SOLUTIONSSilver Platinum

Fee structure

Check writing

Debit card

Interest

Opening deposit

Service charges

Additional services

eAlerts

Online banking and bill pay

1 free overdraft per year

Fee waived with minimum deposit

unlimited

Free

yes, Tiered

$1,000

Maintain $1,000 account balance and $10,000 aggregated balance to avoid $10 monthly service charge

• Free mailed statement with images• 1 free box of Ready Checks per year• Special CD rate• PAC Membership

Free

Free

Yes

Low monthly fee

unlimited

Free

yes, Tiered

$100.00

$7.00

• Free mailed statement with images• 1 free box of Ready Checks per year• AD & D Insurance: $7 per mo for $10,000,

$9 per mo for $30,000 coverage• PAC Membership

Free

Free

Yes

MEMBER FDIC

Banker side:

great value!

Make sure every member gets one!

Rewards higher balances

A few special benefits

Don’t forget the convenience!

Fee waived with a strong deposit relationship

Added peace of mind

Added protection,a few extra benefits!

Low fee,great value,lots of benefits

MEMBER FDIC

PERSONAL CHECKING SOLUTIONSSilver Platinum

Fee structure

Check writing

Debit card

Interest

Opening deposit

Service charges

Additional services

eAlerts

Online banking and bill pay

1 free overdraft per year

Fee waived with minimum deposit

unlimited

Free

yes, Tiered

$1,000

Maintain $1,000 account balance and $10,000 aggregated balance to avoid $10 monthly service charge

• Free mailed statement with images• 1 free box of Ready Checks per year• Special CD rate• Club Membership

Free

Free

Yes

Low monthly fee

unlimited

Free

yes, Tiered

$100.00

$7.00

• Free mailed statement with images• 1 free box of Ready Checks per year• AD & D Insurance: $7 per mo for $10,000,

$9 per mo for $30,000 coverage• Club Membership

Free

Free

Yes

MEMBER FDIC

•Debit Card

•E-Statement

•Direct Deposit

•Automatic Payments

•online Banking

•Mobile BankingMEMBER FDIC

Banker side:

WHICH OF THESE eBANKING SERVICES Do you uSE?

Convenient way to make purchases with checking funds. Safer than carrying cash or a check book.

Fast – get your statement wherever you have email. Flexible – view it, print it out, or save it to your computer. Safe – comes as an attachment to an encrypted email, protected by a password you set.

Take advantage of this service – and enjoy the benefits of never having to deposit a paycheck again.

We can automatically make a payment from your account. Complete a simple form – we make it easy and your payment is always on time!

Stay connected to your bank accounts from your web-enabled phone. you can check account balances, transfer funds and view transactions right from your phone. It’s secure, convenient, and designed to fit your busy lifestyle. your bank is as close as your phone. Just sign in to online Banking to get started today! (Third party fees may apply.)

Complete routine transactions and get real-time balance information free with online banking! you can verify a deposit, transfer money, view and print a statement, or download your data into a budgeting software program.

WHICH OF THESE eBANKING SERVICES Do you uSE?•Debit Card•E-Statement•Direct Deposit•Automatic Payments•online Banking•Mobile Banking

MEMBER FDIC

UPGRADE YOUR VALUE

MEMBER FDIC

Banker side:

Now let’s look at some additional ways you can add value to banking with us.

UPGRADE YOUR VALUE

MEMBER FDIC

WHAT MORE WOULD YOU LIKE TO GET FRoM youR CHECkINg ACCouNTS?

Protect me from identity theft and help me if I become a victim.

Show me more products that will benefit me and my financial future. • Wealth Management • Insurance

grow my earnings. • Money Market • Trust

give me lots of travel options. • Let me share with you our upcoming events, trips and excursions

offer me a low-cost credit card. • Explain benefits of local provider • We are here for you

MEMBER FDIC

Banker side:

WHAT MORE WOULD YOU LIKE TO GET FRoM youR CHECkINg ACCouNTS?

Protect me from identity theft and help me if I become a victim.

Show me more products that will benefit me and my financial future.

grow my earnings.

give me lots of travel options.

offer me a low-cost credit card.MEMBER FDIC

WAYS WE CAN HELP WITH YOUR FINANCIAL SUCCESS

• Website• Travel discount coupons• Newsletter• Facebook• Video clips

MEMBER FDIC

Banker side:

Collection of articles, worksheets, and checklists on various financial topics; view or print from our website

Free subscription to our electronic newsletter

View or print our monthly bank newsletter from our website or pick up a copy at any of our offices

“Like” us on Facebook and get the latest news and info through your Facebook newsfeed

See what our members value and how much they enjoy the club

WAYS WE CAN HELP WITH YOUR FINANCIAL SUCCESS

• Website• Travel discount coupons• Newsletter• Facebook• Video clips

MEMBER FDIC

CHECk PoINT – TO SEE HOW THINGS ARE GOING

Select two questions to ask ...How do you feel about these benefits?Have I missed anything you’d like to know about?How does this sound so far?Is this what you had in mind?What questions do you have for me?

MEMBER FDIC

Banker side:

CHECK POINT

MEMBER FDIC

THE NExT STEP – THE CLOSING qUESTION

Choose one sentence ...Let’s go ahead then and get your membership in place.Shall we go ahead and get you enrolled?Let’s proceed.Would you like me to complete the paperwork?

MEMBER FDIC

Banker side:

Then ... Shh! go silent after you’ve asked this question. Look at them, smile and wait.

THE NExT STEP

MEMBER FDIC

Let’s review all the benefits we’ve discussed and how the club fits into your lifestyle.