PRIME INTEREST CHECKING (PIC) ACCOUNTS

West Union Bank's newest checking account product is the Prime Interest Checking (PIC 2) Account, a tiered account that pays more interest for higher minimum balances.

INTEREST

Tier 1
Minimum Balance: $1,000 to $9,999.99
Interest: Annual Percentage Yield (APY) of 0.50 % as of May 31, 2006 31, 2005. West Union Bank determines the interest rate, which may be changed every quarter.

Tier 2
Minimum Balance: $10,000 and $49,999.99
Interest: The interest rate will be 35% of the New York Prime as published in the money rates section of the Wall Street Journal and may change every month.

Tier 3
Minimum Balance: $50,000 +
Interest: The interest rate will be 45% of the New York Prime as published in the money rates section of the Wall Street Journal and may change every month.

•Interest will be compounded and credited to your account every month.
•$1,000 minimum deposit is required to open a Prime Interest Checking Account.
•You can write a limited number of checks from the account without penalty, meaning you can access your interest bearing funds without making a trip to the bank.
•Transfers from a Prime Interest Checking account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check or similar order to third parties.
•A Service Charge Fee of $5.00 per transaction will be charged for each withdrawal in excess of the limitations listed above, during a statement cycle. If the limit restriction is violated more that once, the account must be closed and reopened as a Statement Savings Account.
•If you close your account before interest is credited, you will not receive the accrued interest.

To open an account or obtain more information, call or visit a West Union Bank office. Choose the Contact Us Menu Link at left for bank office locations and telephone numbers.