DEPOSIT ACCOUNTS

It's Your Dime.
At the Dime Bank you can choose the deposit account that's best for you. In addition to offering a wide variety of checking and savings accounts, The Dime Bank will work with you to design a savings and investment plan that will help you achieve your financial objectives.

A Commitment To Service.
The Dime Bank is locally owned, locally managed and locally concerned. Every Dime Bank staff member is dedicated to serving you - providing you with the highest quality financial services. We invite you to compare The Dime Bank difference. Take a few minutes to talk with a Customer Service Representative and you'll discover service designed with you in mind.

Anywhere, Anytime Access To Your Accounts
At The Dime Bank, you can access your accounts 24 hours a day, 7 days a week with Dime On Line at www.thedimebank.com and Dial My Dime at 570-253-6000 as well at thousands of ATM's and debit card locations world-wide.

• Access checking, savings, money market and loan accounts.
• View check images and listen to information.
• Retrieve snapshot statements and get current interest rates.
• Submit stop payments and download account information.
• Initiate "real time" transfers on business days until 6:00 p.m.

Plus you can enjoy the convenience and security of Direct Deposit, the safest, most reliable way to deposit your payroll, annuity, pension or retirement checks. You can also take advantage of automated payment and savings services that can make your life easier.

CHECKING ACCOUNTS

All of our checking accounts feature:

• Free check images (except free checking) with monthly statements.
• Unlimited check writing privileges with no per check charge.
• Free Direct Deposit.
• Free Bill Payment Services
• Free Debit cards and overdraft protection available to qualified account holders.
• 24/7 account access at www.thedimebank.com or 570-253-6000.

Platinum Checking

• Unlimited check writing
• Unlimited deposits
• Free MasterMoney card
• Free on-line banking
• Free telephone banking
• Free Bill Payment Service
• ¼% discount on installment loans(2)
• No foreign ATM charges(1)
• Tiered interest paid on balances over $1000
• Free checks for the life of the account(3)
• Free 1st year safe deposit box (up to 3x10) Bonus CD rates
• No annual fee Home Equity Loan
• Free notary service
• Free cashier’s checks and money orders
• Free signature guarantees
• Free stop payments
• Free incoming wires
• Free financial consultation
• $1,000 payment privilege protection
• Minimum balance requirements to avoid a $20.00 monthly maintenance fee:
  • $10,000 checking balance OR
  • $20,000 total deposit balances OR
  • $50,000 combined deposit and consumer loan balances(4).

One Fund

• Higher interest rates paid on tiered balances beginning at $5,000, $20,000, $50,000 and 100,000.
• Interest compounded daily
• $5000 daily balance to earn interest and avoid $6 monthly service charge.

Checking Plus

• Unlimited check writing
• Unlimited deposits
• Free MasterMoney card
• Free on-line banking
• Free telephone banking
• Free Bill Payment Service
• ¼% discount on installment loans(2)
• No foreign ATM charges(1)
• Interest paid on balances over 1,000
• Free initial check order(3)
• Free 1st year safe deposit box (up to 3x10)
• Free cashier’s checks and money orders
• $750 payment privilege protection
• Minimum balance requirements to avoid a $7.00 monthly maintenance fee:
  • $1,000 checking balance OR
  • $10,000 total deposit balances OR
  • $20,000 combined deposit and consumer loan balances(4).

Free Checking

• Unlimited check writing
• Unlimited deposits
• Free MasterMoney card
• Free on-line banking
• Free telephone banking
• Free Bill Payment Service
• ¼% discount on installment loans(2)
• No foreign ATM charges(1)
• No minimum balance
• $250 payment privilege protection with increase to $500 as of 3/1/06

Business Checking

• $500 daily balance avoids $6 monthly service charge.
• Balance requirement waived for non-profit entities and escrow accounts.
• Internet Cash Management available.

(1) Other institutions may impose a surcharge. (2) Loan discount applies with auto pay from Dime Bank checking account (except specials).  (3) Select check styles with one box of checks per order. (4) Personal loans and home equity balances included.  Mortgages and ready credit excluded.
Refer to separate General Fee Schedule for further detail on service charges.

Money Market Accounts

• This savings vehicle is for the serious investor who requires liquidity.
• With interest paid on balances starting at $2,500 and higher, market rates paid on balances as low as $50,000, you get the highest rates possible to earn you more money.
• Unlimited in branch and ATM deposits, withdrawals and transfers provide you with maximum convenience and flexibility.
• Maximum check writing privileges with additional access as permitted by Federal regulations.
• $2,500 balance avoids $6 monthly service charge.

Savings Accounts

• Our Statement Savings offers tiered interest rates which pay higher interest rates on higher balances with tiers beginning at $100, $2,500 and $25,000. A low daily balance of only $100 avoids a $2 monthly service charge. The more you save, the more you earn.
• To encourage saving at an early age we offer a Kids Account with tiered interest rates starting at only $5 and no fees.

NOTICE REGARDING ATM FEES BY OTHERS
If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.

Certificates of Deposit

• Maximum flexibility with terms ranging from 3 to 60 months.
• Low minimum balance requirements of $1,000.
• Relationship pricing rewards customers with total deposits of $100,000 by paying higher rates of interest on all certificates over $5,000.
• Convenient automatic renewals eliminate the need for extra bank visits.

Coverdell Education 529

• An excellent way to save for a beneficiary's elementary, secondary and/or higher education.
• Earnings grow tax free when used for qualified education expenses such as tuition, room and board, books & supplies, computers, uniforms and transportation.
• Contributions may be made until the beneficiary's 18th birthday and distributions may be taken until their 30th birthday.

Individual Retirement Accounts

• Two secure FDIC insured ways to save for your retirement: Roth and Traditional.
• Tax and penalty free withdrawals for customer's over 59 1/2 save you money.
• Flexible money making features for account holders over 59 1/2.
• Club IRA's available with low minimum opening balance of $100 with automatic transfers as low as $10 per week provide security and convenience.