First Bank of Baldwin

E-Checking Deposit Account

Minimum balance to open - $50.00

You may make an unlimited number of deposits into your account

Bonus - Upon opening an e-Checking account, you will receive a 64Mb flash drive

Fees and Charge - The following fees and charges apply to this account:
Check charge per statement cycle: 11 or more checks, $5.00 flat fee.
These may include bill payments that are submitted by check.

Additional Terms - The following additional terms apply to this account:
- Free Debit Card upon approved application
- Free Internet Banking
- Free e-Statements
- Free check printing on customized e-Checking check style
- Bill Pay - See Bill Pay Disclosure for additional terms

Bonus will be reported as interest earned on IRS form 1099-INT. Account holder is responsible for any applicable taxes.