Personal Checking

Identity Theft Protection Now at Work on All Planters Bank Checking Accounts

Planters Bank is committed to helping protect you from Identity Theft Protection with ID Safe^SM. We are pleased to provide our basic ID Safe^SM protection to all Planters personal checking account holders as a free, value-added benefit.

Every personal checking account includes an assortment of free services for your added convenience. All you need to do is chose the account with the extra features that matter most to you. Plus, you’ll receive $10 for adding any new direct deposit or ACH transaction to your account.*

Every Planters Bank Checking Account includes these services:

	Monthly Fee	Check Writing	Interest	Extra Features
Total Checking	$7	Unlimited	No	Free Standard Checks Free Money Orders (3 per month) Free Single-User Travelers Checks $10,000 Travel Accident Insurance** Emergency Travel Assistance Dining, Travel and Shopping savings Pharmacy Savings Program Vision Savings Program Hearing Savings Program Up to $2,500 Identity Theft Protection
Preferred Interest Checking	$15 Monthly fee waived with: $1,500 MDB or $10,000 combined deposits or $20,000 combined loans & deposits	Unlimited	Tiered Interest***	Free Designer Checks Free Safe Deposit Box (for customers w/deposits $50,000+) Free Money Orders (3 per month) Free Single-User Travelers Checks Up to $1,000 Identity Theft Protection
Prime 50 Interest Checking	$8 Monthly fee waived with: $1,000 MDB or $5,000 combined deposits	Unlimited	Tiered Interest***	Free Designer Checks First Year Freee on New Safe Deposit Box ****** Free Money Orders (3 per month) Free Single-User Travelers Checks Bonus Interest Rates on Select CDs Up to $1,000 Identity Theft Protection
E-Checking	We pay you!	5 paper checks per month****	No	We deposit $2 per month into your account Up to $1,000 Identity Theft Protection
Best Free Checking	No	Unlimited	No	Free First Order of Standard Checks First Two Non-Sufficient Funds (NSF) Fees Waived*** First Year Free on New Safe Deposit Box**** Up to $1,000 Identity Theft Protection

$100 minimum opening deposit required to open any personal checking account.

* Upon customer notification of any new direct deposit or ACH transaction posting to the account, the $10 bonus will be deposited into the checking account the following business day.

** You’re protected with $10,000 Travel Accidental Death Insurance when you travel by automobile or licensed common carrier (scheduled airline, bus, taxi, and train).

*** Interest paid on entire balance when you maintain a minimum daily balance of $1,500. Interest rate subject to change.

**** $.50 fee charged for each check in excess of 5 per month.

***** Fees apply thereafter. Planters Bank reserves the right to pay or return the check.

******Small box or credit toward larger box, subject to availablility.

Planters Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest-bearing accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

ID Safe^SM – Planters Bank is dedicated to helping protect you from identity theft with ID Safe^SM. According to the Federal Trade Commission, almost half of the reported consumer fraud involves some form of identity theft - and the numbers are growing. Planters Bank is pleased to offer basic ID Safe^SM protection to all personal checking account holders at no additional charge, which includes Payment Card Protection, Personal Identity Protection, and Identity Recovery and Restoration.

Payment Card Protection is a valuable service that gives you and your family the tools you need to defend yourself against identity fraud by:

Registering debit, credit, and retail cards
Reporting lost or stolen cards by toll-free call
Notifying card issuers for you

Personal Identity Protection allows us to ease your burden if your identity is ever stolen:

Up to $2,500 reimbursement of selected identity recovery costs (varies by account)
Identity theft prevention tips and resources
Identity theft victim guide and worksheet

Identity Recovery and Restoration will help guide your recovery:

Assistance with placing a fraud alert and pulling a credit report; initiate credit monitoring for one year through one credit bureau
Full identity theft document preparation, including Limited Power of Attorney and letters to regulatory agencies
Referrals upon request to an identity protection financial counselor and/or attorney for initial consultation at no charge

Identity Guard® Monitoring Service is a valuable credit monitoring service that is provided to all personal checking customers – Free for 6 Months! There’s no catch, no automatic continuation and no surprise fees. It’s free for six months and easy to enroll. After six months, you can choose to continue Identity Guard® for $4.99 per month. So sign up today.****

Daily monitoring of your credit bureau file to detect fraudulent activity
Email alerts notifying you of changes in your file
Unlimited toll-free customer service

**** Requires active e-mail account/address. IDENTITY GUARD® Your Best Chance of Never Becoming a Victim^SM Serviced by Intersections Inc., protecting 7 million customers worldwide.

Online Banking with Bill Pay – Bank any time on your schedule, not ours - view statements, check account balances, pay bills and view loans, transfer funds from one account to another. Click here to learn more!

Mobile Banking – Access accounts from anywhere to check balances, recent transactions and transfer funds. Log on securely from your cell phone with Internet access. Available with any personal checking account.

E-Statements – Experience greater convenience and easier record keeping when you receive your monthly statement electronically. Available with any personal checking account.

Visa® Check Card with UChoose Rewards^SM – Use your check card anywhere Visa® is accepted and earn UChoose Rewards^SM points with every signature-based card transaction. Avoid the hassles of writing checks and accumulate points redeemable for travel and merchandise. You shop. You earn. You choose. It’s that simple. Say goodbye to waiting forever to earn enough points to redeem. Visit www.uchooserewards.com to register. You’ll also find a detailed list of where you’ve shopped and what you’ve earned, an online catalog of redemption options, a Wish List, and much more!

Photo Security – for added security, include your photo on your Visa® Check Card. It’s free, easy and available on all Planters Visa® Check Cards.*****

***** Visa® Check Card and VISA® Check Card with Photo Security is subject to approval.

Overdraft Privilege - Having a check returned due to insufficient funds can be a costly experience. With Overdraft Privilege, you’ll have the peace of mind knowing you have an extra level of protection against account reconciliation errors and unanticipated cash flow emergencies. Overdraft Privilege allows you to write checks for an amount over and above the amount in your checking account. Funds are transferred from a line of credit or other designated account to your checking account to cover payment.******

Overdrafts can be created by: paper checks, personal withdrawals, ATM withdrawals, Debit Card, ACH or other electronic means and will result in a fee of $32 per item paid or returned.

Planters Bank does not encourage overdrawing your checking account. Overdraft Privilege is a non-contractual courtesy available to personal checking accounts in good standing and is subject to approval.

****** Overdraft Privilege is subject to approval. When we pay overdraft items customers will be charged our normal NSF-item paid fee for each item presented. You must bring your account to a positive balance within a 30-day period. Whether overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if the account is not in good standing, if the customer is not making regular deposits, or if the customer has too many overdrafts.

Tips on Avoiding Overdrafts - The following tips can help you manage your account wisely to avoid overdraft situations.

Keep an eye on your account balance prior to writing a check or using your debit card. Prevention is your best medicine.
- Review your transactions on an ongoing basis.
- Use services, such as online banking, to help you keep up-to-date with your balance.
- Remember to record and deduct checks, automatic recurring payments and debit card transactions and to add any deposits that have not yet been posted to your account.
- Do not use your debit card like you use your credit card. Your debit card is like an electronic check and the funds are automatically deducted from your account.
Ask your bank about all of its overdraft services. Community banks generally offer three types of overdraft services: overdraft lines of credit, transfers or sweeps from a savings account or another checking account, and overdraft coverage.
- Overdraft lines of credit charge interest but provide a safety net. They may also have a transaction and/or annual fee. If needed, disbursements can be repaid over a period of time.
- Transfer or sweep arrangements allow customers to cover overdrafts using their own funds for a small transaction fee.
- Many times a bank will choose to pay an overdraft for a fee to avoid consumers having the inconvenience of returned transactions – embarrassment, fees and hassles from merchants.
- Talk to your community banker about the best choice(s) for you.

ATM Banking – Use your Planters Bank Visa® Check Card to withdraw cash and access your account information at any Planters Bank ATM, plus thousands of other machines nationwide.

Telephone Banking – Available 24/7, Planters Bank Telephone Banking keeps you in touch with your accounts; transfer funds between accounts, get up-to-date account information and receive valuable information about Planters Bank products by calling toll free 877-792-4078.

Wire Transfers - Send or receive funds from anywhere in the world. Restrictions and fees may apply.

Safe Deposit Box – Consult your nearest Planters Bank office for information on availability, restrictions and fees.