CHECKING ACCOUNT PRODUCTS

Regular Checking (FREE)

Super Now

Money Market

Prime Interest Checking (PIC2)

REGULAR CHECKING ACCOUNT FREE checking is available to all West Union Bank customers. The Regular Checking Account offers: • No Maintenance Fees, Per Check Charges or Minimum Balance Charges • Starter Checks for your new account • Monthly Mailed Statements or Email Statements along with Check Images • Your balance and up-to-date transaction history available 24 hours a day, 7 days a week through our Internet Banking and Fingertip Banking Services 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.

SUPER NOW ACCOUNTS Super NOW Accounts are among West Union Bank’s several interest bearing checking accounts. • Super NOW Accounts pay an Annual Percentage Yield of 0.15% as of November 2, 2011. • Interest will be compounded and credited to your account every month. • Your interest rate and annual percentage yield may change. We may change the interest rate on your account on the first business day of every month. • A $1,000 deposit is required to open a Super NOW Account, and $1,000 balance must be maintained to qualify for interest. • The monthly Service Charge Fee is $1.50. 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.

MONEY MARKET ACCOUNTS   West Union Bank Money Market Deposit Accounts yield a Higher Interest Rate than our Super NOW Accounts. And for a small monthly fee you can earn an interest rate higher than most institutions' savings rates. • Money Market Accounts pay an Annual Percentage Yield of 0.50% as of February 2, 2009. • Interest will be compounded and credited to your account every month. • Your Interest Rate and Annual Percentage Yield may change. We may change the interest rate on your account on the first business day of every month. • A $1,000 Deposit is required to open a Money Market Deposit Account, and a $1,000 Minimum balance must be maintained to earn interest. • Transfers from a Money Market Deposit 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, draft, debit card, or similar order to third parties. • You may make no more than six withdrawals from your account each periodic statement. • A service charge fee of $1.00 will be charged each statement cycle. • A withdrawal fee of $1.00 will be charged for each withdrawal in excess of one during a periodic statement, with a maximum of six. 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.

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 0.25 % as of 29 Nov 2010 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 15% 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 20% of the New York Prime as published in the money rates section of the Wall Street Journal and may change every month.   Tier 4 Minimum Balance: $100,000 + Interest: The interest rate will be 30% 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.