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Truth About Investment Banking

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									TRUTH-IN-SAVINGS                                       INVESTMENT PROTECTOR MONEY
ACCOUNT DISCLOSURES                                    MARKET DEPOSIT ACCOUNT

                                                       RELATIONSHIP BUILDER MONEY MARKET
                                                       DEPOSIT ACCOUNT

ACCOUNT NUMBER:

DATE OPENED:

RATE INFORMATION
If this is a Investment Protector Money Market Deposit Account, the Interest Rate on this account is
percent. The Annual Percentage Yield (APY) on this account is                    percent.

This is a variable-rate account, which means that the Interest Rates and APYs disclosed above may be
changed by us at any time. The Interest Rates will not be tied to any index but will be set by us at our
discretion. There is no limitation on the amount that the Interest Rates may change. Information regarding
the current Interest Rates and APYs for this account is available at any of our branches or by calling our
Telephone Service Center at 1-800-421-0004.

If this is a Relationship Builder Money Market Deposit Account, the Interest Rate and Annual Percentage
Yield (APY) for this account will be determined by the balance in the account at the end of each day as
follows:

-    If the end-of-day balance is less than $10,000, the Interest Rate paid on the entire balance   in the
     account will be             %, with an APY of               %.

-    If the end-of-day balance is at least $10,000 but less than $25,000, the Interest Rate paid on the entire
     balance in the account will be             %, with an APY of            %.

-    If the end-of-day balance is at least $25,000 but less than $50,000, the Interest Rate paid on the entire
     balance in the account will be             %, with an APY of            %.

-    If the end-of-day balance is $50,000 or more, the Interest Rate paid on the entire balance in the
     account will be             %, with an APY of            %.


This is a variable-rate account, which means that the Interest Rates and APYs disclosed above may be
changed by us at any time. The Interest Rates will not be tied to any index but will be set by us at our
discretion. There is no limitation on the amount that the Interest Rates may change. Information regarding
the current Interest Rates and APYs for this account is available at any of our branches or by calling our
Telephone Service Center at 1-800-421-0004.

COMPOUNDING AND CREDITING
Interest will be compounded on a daily basis and credited to this account on a monthly basis.

MINIMUM BALANCE REQUIREMENTS
If this is an Investment Protector Money Market Deposit Account, you must deposit at least $10,000 to open
the account. A minimum balance fee of $10.00 will be assessed against the account each monthly
statement period if the “average daily balance” for the period is less than $10,000. The “average daily
balance” is calculated by adding the end-of-day balance in the account for each day of the period and
dividing that total by the number of days in the period. You must maintain a minimum end-of-day balance of
$10,000 in the account each day to obtain the APY disclosed above. If you do not maintain a minimum end-
of-day balance of $10,000 in the account on any day, the account will not earn interest for that day.
If this is a Relationship Builder Money Market Deposit Account, you must deposit at least $25.00 to open the
account. A minimum balance fee of $5.00 will be assessed against the account each monthly statement
period if the “average daily balance” for the period is less than $2,500. The “average daily balance” is
calculated by adding the end-of-day balance in the account for each day of the period and dividing that total
by the number of days in the period.



BALANCE COMPUTATION METHOD
We use the “daily balance method” to calculate the interest on this account. This method applies a daily
periodic rate to the principal in the account at the end of each day.

ACCRUAL OF INTEREST ON NON-CASH DEPOSITS
Interest begins to accrue on the business day that non-cash items (for example, checks) are received by us
and credited to this account.

FEES
The amount of each fee that may be assessed against this account is listed in the “Schedule of Fees and
Transaction Limitations” provided with this disclosure.

GIFT
If you receive a gift from the Bank for opening or making additional deposits to this account, the Bank may
be required, in accordance with Internal Revenue Service (IRS) regulations, to report the cost of the gift to
the IRS as a payment of interest. If so required, such payment of interest will appear on your IRS Form
1099-INT for the year in which the gift is given to you.

TRANSACTION LIMITATIONS
If you have been issued an electronic banking card in connection with this account, certain limitations apply
to deposits and withdrawals from the account made at automatic teller machines (ATMs), point-of-banking
(POB) locations, and point-of-sale (POS) locations that accept your card. These transaction limitations are
listed in the “Schedule of Fees and Transaction Limitations” provided with this disclosure.

Pursuant to federal banking regulations, you are permitted to make no more than six transfers and
withdrawals, or a combination of such transfers and withdrawals, per monthly statement cycle from this
account to another account with us or to a third party by means of a preauthorized or automatic transfer, or
telephone or Internet agreement, order or instruction. No more than three of the six permitted transfers may
be made by check, draft or similar order payable to third parties or by using a debit card to purchase goods
and services. A service charge will be assessed (see “Schedule of Fees and Transaction Limitations”) for
each transfer or withdrawal in excess of these limits. Pursuant to federal banking regulations, depositors
who continue to exceed these limits will forfeit the transfer and check-writing features of their account.

PAYMENT OF CHECKS
On any day that we pay checks drawn on this account that are presented for payment to our Check
Processing Department rather than to one of our tellers, we will pay the checks in the order of the largest
dollar-amount check to the smallest dollar-amount check.

ELECTRONIC STATEMENTS
If this is an Investment Protector Money Market Deposit Account and you have elected the electronic
statement (e-statement) option, no regular monthly statements will be sent to you via the U.S. Postal
Service. Your account information, including images of cleared checks, will be accessible through First
Niagara On-Line Banking only. An Account History fee will be charged against your account if you make a
request for a paper copy of your account activity. The current Account History fee is listed in the “Schedule
of Fees and Transaction Limitations” provided with this disclosure.
                                                                          #FNB9088    TISMMDA (02/07)

								
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