CHECKING ACCOUNT FEATURES	Value Plus Checking	Preferred Checking	Premiere Checking	Free Checking	Student Checking
Minimum Opening Deposit	$100	$100	$1000	$100	$100
Interest Bearing	No	Yes - Tiered Rates	Yes - Tiered Rates	No	No
Interest Paid & Compounded	N/A	Monthly	Monthly	N/A	N/A
Statement Type	Safekeep or Check Image	Safekeep or Check Image	Safekeep or Check Image	Safekeep	Safekeep
Monthly Service Charge	(see fee schedule for details)	(see fee schedule for details)	(see fee schedule for details)	N/A	N/A
Min. Balance to Avoid Monthly Service Charge	N/A	$2,500 or combined deposit balances of $15,000	$25,000	N/A	N/A
Transaction Limits	None	None	None	None	None
Account Perks	▪ Free Club Style Checks or $10 off other design ▪ Free Cashiers Checks ▪ Discount on consumer loans w/auto deduction*	▪ Free Club Style Checks or $10 off other design ▪ Free Cashiers Checks ▪ Interest bonus on CDs ▪ $10 off Annual Safe Deposit Box rental	▪ 1 Free Box Premiere Checks/yr. ▪ Free Cashiers Checks ▪ Interest bonus on CDs ▪$10 off Annual Safe Deposit Box rental ▪ Free Notary Service ▪ 1 Free Wire per Month	N/A	▪ ATM rebates (up to $20/month) ▪ Discount on first 50 checks****
Online Banking + Bill Pay	Free/ Unlimited	Free/ Unlimited	Free/ Unlimited	Free/ Unlimited	Free/ Unlimited
Telephone Banking	Free	Free	Free	Free	Free
Debit/ATM Card***	Free	Free	Free	Free	Free

SAVINGS ACCOUNT FEATURES	Money Market Savings	Regular Savings
Minimum Opening Deposit	$5000	$100
Interest Bearing	Yes - Tiered Rates	Yes - Tiered Rates
Interest Paid & Compounded	Monthly	Monthly
Statement Type	Safekeep	Quarterly
Monthly Service Charge	(see fee schedule for details)	(see fee schedule for details)
Min. Balance to Avoid Monthly Service Charge	$10,000	$300
Transaction Limits	Limited**	Limited**
Account Perks	Free Money Market Savings Checks	N/A
Online Banking + Bill Pay	Free (no Bill Pay)	Free (no Bill Pay)
Telephone Banking	Free	Free
Debit/ATM Card***	Free ATM Card	Free ATM Card
* Excluding real estate loans See account disclosure. * Use of Debit/ATM Card in an ATM not owned by First Merchants Bank of Central Indiana or a First Merchants Corporation affiliate bank may result in ATM service charges from First Merchants Bank of Central Indiana and the institution that owns the ATM. **** University branded where available or Specialty Blue paper checks Fees and terms described in this brochure are subject to change. For current rates, visit a branch near you. Equal Housing Lender Member FDIC