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 | This is a low fee, low transaction checking account. |
| You must deposit $100.00 to open this account. |
| A maintenance fee of $3.00 will be charged each month. |
| A per item fee of $.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) during a statement cycle. |
| There is a $20 NSF fee if there are not sufficient funds to pay an item. |
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