Truth in Savings: Checking

Lamont Bank of St John
E 6 Front Street
PO Box 148
St John, WA 99171

MINIMUM BALANCE REQUIREMENTS. No minimum balance requirements apply to this account.

DORMANT/I ACTIVE ACCOUNT I FORMATION. A dormant account fee of $1 per month will be charged after one year or inactivity.

PROCESSING ORDER. All credit transactions are processed first. Debits, or withdrawals, from your account will be processed from the lowest dollar amount to the highest dollar amount. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order. there may he an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

TRANSACTION LIMJTATIONS. No transaction limitations apply to this account.

FEES AND CHARGES. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

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