Rate & Fee Disclosure 

_{* Individuals under age 18 are exempt from these fees.}

_{** Fee applies when overdraft is created by check, in-person withdrawal, or other electronic means.}

_{***Fee applies when overdraft is created during an ATM or one-time debit transaction. Affirmative consent (opt-in) is required.}

_{**** A Non 3Rivers transaction is considered an inquiry, transfer, deposit or withdrawal on any non-3Rivers owned ATM.  This fee does not apply to transactions on Rhythm (Epic) or Livin' Free Checking Accounts.}

_{***** A Point-of-Sale (POS) transaction can mean a retail shop, a checkout counter in a shop, or the location where a transaction occurs. More specifically, the point-of-sale often refers to the hardware and software used for checkouts – the equivalent of an electronic cash register.}

_{****** No activity on account for 12 months. IRA accounts and accounts with $1,000+ in assets or primary owner is under the age of 18 are exempt from this fee.}