The perfect choice for those who receive at least one direct deposit payment per month. Arrange to have your salary, pension, social security or any recurring income deposited automatically. This will keep the account FREE of monthly service charges.*

You also get:

• FREE unlimited check writing

• FREE imaged check statements

AND these valuable options:

• FREE Direct Deposit

• FREE VISA Debit Card

• No ATM surcharges**

• .25% discount on consumer loans

• FREE Online Banking account access

• FREE Electronic Bill Payment

• FREE 24 Hour Telephone Banking access

• Various overdraft protection services, including Ready Reserve and Overdraft Privilege^SM.

• Minimum to Open: $50.00

• Minimum Balance to avoid penalty fee: —

• Time Limit to Meet Direct Deposit Requirement: 90 days

• Per Check Fee: None

• No Interest Paid

*In any monthly cycle period in which the requirement is not met, the charge is $10.00.

**Transactions processed at non-Provident owned ATMs may result in a fee charged by the individual ATM service provider.