PERSONAL BANKING

Savings Accounts

Presidential Money Market Account

First American Bank's Presidential Money Market Account is geared towards the individual that wishes to earn a high level of interest on their account and will not write many checks or have many withdrawals. There are no monthly service fees unless the minimum balance falls below $1,000 during the monthly statement cycle in which case the service fee is $5.00. The interest rate is tiered based on the monthly balance in the account. Rate tiers begin at the $10,000, $25,000, and $50,000 balance levels. Interest rates are subject to change at any time.

Features:

• FREE Internet Banking
• Unlimited in-person withdrawals
• Transfer transactions are limited to no more than six per month with third party withdrawals limited to three per month ($5.00 service fee for excess transactions)
• ATM/VISA Debit Card
• 24/7 Automated Phone Access Line
• Interest paid at market rate (RATE)

Savings Account

First American Bank's Savings Account is geared towards the individual that wishes to earn interest but will not have many withdrawals. There are no monthly service fees unless the collected daily balance falls below $50.00 during the quarterly statement cycle in which case the service fee is $6.00. Interest is paid quarterly based on market rates and is subject to change at any time.

Features:

• FREE Internet Banking
• Unlimited in-person withdrawals
• Transfer transactions are limited to no more than six per month with third party withdrawals limited to three per month ($2.00 service fee for excess transactions)
• 24/7 Automated Phone Access Line
• Interest paid at market rate (RATE)