Ohio River Bank

Christmas Club
	No monthly service charge.
	No minimum daily balance required.
	Coupon book or automatic withdrawal.
	Pays competitive interest.

Savings
	For individuals and businesses
	$100.00 minimum daily ledger balance
	$.50 per withdrawal after 3 per month
	Minor accounts so not require a daily ledger balance.
	Pays competitive interest – tiered balances

Organization
	Unincorporated civic organizations and churches.
	No monthly service charge with safekeeping.
	$5.00 monthly service charge w/safekeeping.
	No minimum daily balance.
	One account free for each civic organization or church with safekeeping.

Now Non-Personal
	Sole proprietorships, estates, partnerships, nonprofit entities.
	-0- above balance, $7.00 below balance monthly service charge with safekeeping.
	$5.00 above balance, $12.00 below balance monthly service charge w/ safekeeping.
	$1500.00 minimum daily ledger balance.
	Pays Competitive Interest-Tiered Balances

IOLTA's
	Only available to attorneys and law firms.
	-0- above balance, $7.00 below balance monthly service charge with safekeeping.
	$5.00 above balance, $12.00 below balance monthly service charge without safekeeping.
	$1500.00 minimum daily balance.
	Pays Competitive Interest – Tiered Balances

* A $50.00 minimum opening balance is required on all deposit accounts.

* Notice Regarding ATM Fees By Others – If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network. Ohio River Banks ATM fees are $0.65 for other ATM's and a $1.50 Network Fee.

* Federal Reserve Regulation D limits regular savings accounts to no more than six preauthorized transfers per month. A $5.00 fee will be charged or each additional preauthorized transfer per month in excess of six. Once the account has violated Regulation D limits twice, the bank will automatically convert the account to a transaction type account.