. Eligibility Requirements Interest Bearing Minimum to Open Minimum Balance to Avoid Fees Monthly Service Charge (if Requirements are Not Met)

Statement Savings Advantage

For Individuals or Businesses

Yes. Tiered Balance Levels: $100.00 - $4,999.99; $5000+

$10

$100 (Any customer under the age of 18 or over the age of 62 will not receive a monthly service charge if $10 daily balance is maintained)

$1.00 monthly service charge

Money Market Advantage

For Individuals or Businesses

Yes. Tiered balance levels: $.01 - $2,499; $2,500 to $24,999, $25,000 to $74,999, $75,000+

$2,500

$2,500

$10

Lakes Money Market Plus

Exclusively for FSB checking account customers

Yes. Earn a higher rate of interest than the Money Market Advantage Account! Tiered Balance Levels: $.01 - $2,499; $2,500 to $24,999; $25,000+

$2,500

$2,500

$10