Heritage Community Bank

Heritage Community Bank is a full service bank offering a variety of deposit accounts for all your banking needs. Our commitment to convenience and superior customer service makes our products unmatchable. Besides offering checking, money market, savings, CD and IRA accounts, we also provide the MasterCard® Debit Card, Internet Banking, 24 hour Telephone Banking, direct deposit, and statement imaging.
	Checking Accounts At Heritage Community Bank, we are committed to making your banking experience simpler and more convenient. That's why we offer such a wide range of checking options. No matter which product or option you choose, Heritage Community Bank offers you more conveniences and services that allow you to stay in touch with your money.
KEYSTONE ACCOUNT— Individual $100.00 to open Free statement binder ATM/Debit Card Available, $2.00 per month Non-interest bearing No monthly service charge HERITAGE ACCOUNT— Individual $100.00 to open Unlimited check writing Free statement binder First month service fee waived Free ATM/Debit Card $8.00 monthly service charge when balance falls below $500.00 during the month Interest paid monthly on minimum daily balance of $1,000.00 LANDMARK CLUB ACCOUNT— Individual $100.00 to open Unlimited check writing Free official checks Free travelers checks First month service fee waived $8.00 monthly service charge Free ATM/Debit Card Free fax, copy, and notary service Free statement binder Free $10,000.00 accidental death insurance** Free “club” checks Interest paid monthly on minimum daily balance of $1,000.00 CORNERSTONE ACCOUNT (High Yield)— Individual $100 to open Unlimited check writing No monthly service charge No minimum balance but must meet requirements for high interest rate 5.00% APY* earned on balance up to $25,000.00 (if requirements are met) 0.75% APY* earned on any balance over $25,000.00 (if requirements are met) 0.50% APY* earned on entire balance if requirements are not met If requirements are met, up to $12.00 in foreign ATM fees will be refunded per statement cycle Requirements to earn high interest rate Sign up for free internet banking Receive monthly statement via E-statement (online banking) Must have 20 non-ATM debit card transactions per statement cycle Must have at least 1 recurring direct deposit or electronic payment per statement cycle Note: Since statement will be available via online banking, no hard copy will be mailed out. If you wish to receive a hard copy of your statement, a $5.00 fee will be assessed. Annual Percentage Yield LEGACY ACCOUNT— Individuals 55 years and older $100.00 to open Unlimited check writing Free statement binder First month service fee waived Free “club” checks Free ATM/Debit card Interest paid monthly on minimum daily balance of $1,000.00 Direct deposit $10.00 discount on safe deposit box rental for the first year $5.00 monthly service charge when balance falls below $100.00 during the month Free $10,000.00 accidental death insurance* PRESERVATION ACCOUNT— Money Market Account $2,500.00 to open Up to six transactions per month with no more than three of the six to third parties $5.00 fee per excessive transaction Tiered interest rates Interest paid monthly on minimum daily balance of $2,500 DIRECT DEPOSIT ACCOUNT— Individual $10.00 to open No checks No ATM/Debit Card Limit one withdrawal per month, $1.00 charge for each additional withdrawal Combined balances over $5,000 entitles you to the waiver of a service charge on any of the above accounts (excluding our club accounts). **Not a deposit, Not FDIC insured, Not insured by any federal government agency, Not guaranteed by the Bank

Savings Accounts
HEIRLOOM ACCOUNT $100.00 to open Allows six withdrawals per quarter $1.00 fee for each additional withdraw Interest accrues daily and pays quarterly on minimum average daily balance of $100.00 Statement mailed quarterly without images TRAILBLAZER ACCOUNT (17 years old and younger) No minimum opening balance No ATM/Debit Card Allows six withdrawals per quarter $1.00 fee for each additional withdrawal Interest accrues daily and pays quarterly on minimum average daily balance of $100.00 Statement mailed quarterly HOLIDAY SAVINGS ACCOUNT $10.00 to open account Any amount can be deposited at any time Interest paid at 12 month maturity Limit of two withdrawals during 12 month term Checks are disbursed in November Payments can be made automatically from any Heritage Community Bank checking account VACATION SAVINGS CLUB $10.00 to open account Any amount can be deposited at any time Interest paid at 12 month maturity Limit of two withdrawals during 12 month term Checks are disbursed in June Payments can be made automatically from any Heritage Community Bank checking account CERTIFICATES OF DEPOSIT Heritage Community Bank CDs offer you flexibility with terms from 15 days to three years. Minimum of $1,000.00 to open Earns interest at a rate established by the Bank FIXED RATE IRA ACCOUNT The fixed rate IRA is available for conservative investors and those who want a maximum rate of return. Minimum of $1,000.00 to open Earns interest at a rate established by the Bank TDOA accounts available

Heritage Community Bank Member FDIC. Equal Housing Lender