. Eligibility Requirements Interest Bearing Minimum to Open Minimum Balance to Monthly Service Charge Monthly Service Charge (if requirements not met)

Statement Savings Advantage

For Individuals or Businesses

Yes. Tiered Balance Levels: $100.00 – $4,999.99 and $5,000

$10

$100 (Customers 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

Kids’ Account

For children 12 and under

Yes

$0.50

N/A

N/A

Choice Savings Club

For Individuals – This account is similar to a traditional Christmas Club, but with a twist!

Yes. Interest earned is paid at disbursement.

$5

N/A

You choose annual or semiannual disbursements. A $25 fee will be assessed for early withdrawals. Fee waived if account is used as a down payment for an FSB loan.

Money Market Advantage

Individuals

Yes

$2,500

$2,500

$10

Lakes Money Market Plus

Individuals with an FSB Checking Account

Yes

$2,500

$2,500

$10

Health Savings Accounts

Individuals

Yes

$100

$2,500

$2.50