Account Disclosure 1st Premier Checking Account Rates and information effective October 1, 2015

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1 Account Disclosure 1st Premier Account Rates and information effective October 1, st Premier to Up to $2, $2,500 - $4, $5,000 - $9, $10,000 - $49, $50,000 - $99, $100,000 and more to Avoid $100, (See Minimum Required below) $25, Rate Information. Rates are subject to change daily. We declare interest daily based on current income and available earnings after required transfers to reserves at the end of the interest period. The Annual Percentage Yield and interest rate stated above reflect the earnings 1st Security Bank of Washington anticipates having available for the applicable period. Variable Rate Information. The Annual Percentage Yield and interest rate on tiered rate accounts will change based on the account balance, as indicated by the tiers above. If the balance increases or decreases into a different tier, the new yield and rate will take effect the date the balance changes and applies to the entire balance of the account. APY and rate disclosure above based on $100 for first tier and Minimum Tier for remaining tiers. Minimum Required. If the minimum daily balance requirement is shown, you will earn interest only for those days in the month when your daily balance meets the minimum requirements. The minimum balance must be maintained each day of the month to avoid the monthly maintenance service charge. requirements reflect total of all deposit account relationships (consumer and business) with 1st Security Bank. For example a 1st Premier balance of $5,000, a Tiered Rate Money Market balance of $50,000, a Business Plus balance of $10,000, and a Business Money Market balance of $35,000 would meet the $100,000 minimum balance requirement for the 1st Premier account. See Fees and Charges below for Monthly Maintenance if minimum balance requirement is not met. Account Limitations. Transaction Limitations. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. Monthly Maintenance Account Minimum Requirement not met - $50.00 Account History Printout no charge Account Overdraft Transfer from Savings no charge Account Research no charge ATM/Debit Card Replacement no charge ATM/Debit Card Rush Order no charge ATM Use Out of Network no charge Canadian Check Deposit no charge Cancelled Check Copy no charge Counter Checks no charge Insufficient Funds no charge IRA Annual Maintenance Fee no charge Official (Cashier s) Checks Customer no charge Standard Checks no charge Statement Copy no charge Stop Payments no charge Visa/MC Cash Advance Processing Fee no charge Wire Transfer Incoming/Outgoing Domestic/Foreign no charge

2 ebanking Express Account Rates and information effective December 1, 2015 ebanking Express to Up to $2, $2,500 - $4, $5,000 - $9, $10,000 - $49, $50,000 - $99, $100,000 and more to Avoid $2, Other restrictions apply $ Account Maintenance Requirements. Direct deposit, online banking, and online statements.. requirements reflect sum total of all relationships (loan and deposit) with 1st Security Bank, does not include any VISA products or EquityLine Visa HELOCs with 1st Security Bank. For example an ebanking Express balance of $1,500, a Personal Line of Credit current balance (not credit limit or original loan amount) of $800, and a Preferred Savings balance of $200 would meet the $2,500 minimum balance requirement for the ebanking Express account. Rate Information. Rates are subject to change daily. We declare interest daily based on current income and available earnings after required transfers to reserves at the end of the interest period. The Annual Percentage Yield and interest rate stated above reflect the earnings 1st Security Bank of Washington anticipates having available for the applicable period. Variable Rate Information. The Annual Percentage Yield and interest rate on tiered rate accounts will change based on the account balance, as indicated by the tiers above. If the balance increases or decreases into a different tier, the new yield and rate will take effect the date the balance changes and applies to the entire balance of the account. APY and rate disclosure above based on for first tier and Minimum Tier for remaining tiers. Minimum Required. If the minimum daily balance requirement is shown, you will earn interest only for those days in the month when your daily balance meets the minimum requirements. Accounts subject to a monthly maintenance service charge require the minimum balance be maintained each day of the month to avoid the monthly maintenance service charge. Transaction Limitations. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. Monthly Maintenance No direct deposit AND minimum combined 1SB account balances below $2,500 - $25.00 Counter Checks no charge IRA Annual Maintenance Fee no charge Official (Cashier s) Checks Customer no charge Standard Image Checks no charge Wire Transfer Outgoing Domestic two per statement cycle free

3 Home 1st Account Rates and information effective December 15, 2015 Home 1st to Up to $2, $2,500 - $4, $5,000 - $9, $10,000 - $49, $50,000 - $99, $100,000 and more to Avoid $2,500.00** $1, Rate Information. Rates are subject to change daily. We declare interest daily based on current income and available earnings after required transfers to reserves at the end of the interest period. The Annual Percentage Yield and interest rate stated above reflect the earnings 1st Security Bank of Washington anticipates having available for the applicable period. Variable Rate Information. The Annual Percentage Yield and interest rate on tiered rate accounts will change based on the account balance, as indicated by the tiers above. If the balance increases or decreases into a different tier, the new yield and rate will take effect the date the balance changes and applies to the entire balance of the account. APY and rate disclosure above based on for first tier and Minimum Tier for remaining tiers. Minimum Required. If the minimum daily balance requirement is shown, you will earn interest only for those days in the month when your daily balance meets the minimum requirements. Accounts subject to a monthly maintenance service charge require the minimum balance be maintained each day of the month to avoid the monthly maintenance service charge. Transaction Limitations. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. **Monthly Maintenance There will be no monthly maintenance service charge assessed with a residential first mortgage completed through 1st Security Bank Home Lending. Otherwise normal fees noted below will apply. No direct deposit AND minimum combined 1SB account balances below $2,500 - $25.00 Standard Image Checks no charge IRA Annual Maintenance Fee no charge Official (Cashier s) Checks no charge Wire Transfer Two outgoing domestic per statement cycle- no charge

4 1st Options Account Rates and information effective June 10, st Options to Avoid to NA $ Other restrictions apply $ Account Maintenance Requirements. To avoid a monthly service charge a minimum of one of the following monthly requirements must be met: of $300, a monthly direct deposit from a payroll or retirement plan, eight Point of Sale (POS) transactions posted, active Bill Pay, OR two ACH external withdrawals. Active Bill Pay is defined as a minimum of two completed bill payments per statement cycle. Rate Information. Rates are subject to change daily. APY and rate disclosure above based on. We declare interest daily based on current income and available earnings after required transfers to reserves at the end of the interest period. The Annual Percentage Yield and interest rate stated above reflect the earnings 1st Security Bank of Washington anticipates having available for the applicable period. Minimum Required. If the minimum daily balance requirement is shown, you will earn interest only for those days in the month when your daily balance meets the minimum requirements. Accounts subject to a monthly maintenance fee require the minimum balance be maintained each day of the month to avoid the monthly maintenance fee. Account Limitations. Transaction Limitations. If applicable, we reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Monthly Maintenance Account Maintenance Requirement (above) not met - $7.00 Official (Cashier s) Checks Customer one free per day

5 1st Classic Account Rates and information effective June 10, st Classic to to Avoid None NA $ Rate Information. Rates are subject to change daily. APY and rate disclosure above based on. We declare interest daily based on current income and available earnings after required transfers to reserves at the end of the interest period. The Annual Percentage Yield and interest rate stated above reflect the earnings 1st Security Bank of Washington anticipates having available for the applicable period. Minimum Required. If the minimum daily balance requirement is shown, you will earn interest only for those days in the month when your daily balance meets the minimum requirements. Account Limitations. Accountholder(s) must be age 62 or older at the time of account opening. Transaction Limitations. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. account. Official (Cashier s) Checks Customer one free per day Monthly Maintenance no charge

6 SCHEDULE OF FEES AND CHARGES Consumer/Personal Accounts October 13, 2015 s and Fees Abandoned/Dormant Account $60.00 Account Overdraft Transfer from Savings Account Research Legal Claims & Orders Immigration Account Verification Balancing Account/Checkbook General Account Research ATM/Debit Card - Replace (First 2 cards per account are free) ATM/Debit Card Rush Orders ATM Use Out of Network Cancelled Check Copy $10.00/transfer $10.00/ 15 min $15.00/card $50.00/card $2.00/use $2.00/copy s and Fees Continued: Returned Check (Deposit item) Sales Draft Copy (VISA Debit Card) Statement Copy $3.00 Stop Payment VISA/MC Cash Advance Processing Fee (Advances by phone) $10.00/item $10.00/copy $30.00/stop Wire Transfer Incoming $10.00 Outgoing Domestic $20.00 Outgoing International in US funds $35.00 Outgoing International in Foreign funds $25.00 $10.00/phone adv Check Cashing Non-Customer cashing an on-us check Counter Checks (3 checks per page, minimum 1 page) Debit Card - 1st Debit Design $5.00/check $3.00/ page $10.00/card Excessive Transfers/Withdrawals $25.00/day (Per day from savings or money market account exceeding the Transaction Limitations per month.) Canadian Foreign Check Deposit HSA Annual Maintenance Fee Insufficient Funds (paid/returned item) (Overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means when funds are not on deposit) IRA Annual Maintenance Fee $15.00/dep $15.00/year $35.00/item $15.00/year Legal Processing Fee $100.00/req (Requests for information from government and enforcement agencies, including, but not limited to: levies, subpoenas, and garnishments) Medallion Signature Guarantee Customer Non-Customer No charge Not available Notary Customer No charge Non-Customer (per notarization) $5.00 Official (Cashier s) Checks Customer Non-Customer $5.00/check $10.00/check

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