W I T HP E R S O N A L B A N K I N G

FlyP E R S O N A L C H E C K I N G

You have places to go and things to do. You also havebills to pay and things to buy. You need a checkingaccount to take care of the day-to-day business of life.You want an account that gives you more, from a bankthat understands. That’s where Sumner Bank & Trustcomes in.

All Sumner Bank & Trust Checking Accounts Feature:

Anywhere CheckingYour checks are never in the mail – you pay your bills online.You carry your debit card, your credit card, your businesscards and your receipts in your checkbook – but no checks.You never carry cash because there is always an ATM rightaround the corner. Anywhere Checking is your ticket to banking the way you want it to be – convenient, with no monthly fee and a great interest rate. Because we know youcould bank anywhere and we’re glad you’re here.

• Unlimited free ATM transactions nationwide• Image statements• No annual fee credit card*• First order of regular checks (50) free• 10 free checks per month (just in case)

Monthly service fee? NoAdditional Fees? $.40 per check over 10.Interest? Yes. Interest is paid on your entire

balance when you maintain a minimum daily balance of $1,000.

Go

Easy AccessBanking your way means you can access your accountwhenever, wherever and however you want. That’s why our Easy Access package is included in all of our checking accounts at no extra cost. Use it all you want. It’s easy. And it’s free.

Online Banking

Online Bill Pay

ATM Transactions

Telephone Banking

Visa® check card*

** All Sumner Bank & Trust ATM transactions are free. All checking accounts offer up to four free nationwide ATM transactions per month for all accounts; additional free transactions vary by account.

All of our checking accounts require a $50 minimum opening balance.

I M P O R T A N T P H O N E N U M B E R S

Telephone Banking 1-800-561-2314Customer service 615-451-4151Toll-free line 1-866-345-8877

To report lost or stolen debit/credit cardDuring banking hours 615-451-4151After hours 1-800-554-8969

O F F I C E L O C A T I O N S

Main Office780 Browns LaneGallatin, TN 37066615-451-4151

Broadway Office240 West BroadwayGallatin, TN 37066615-452-8877

Preferred Banking Center 100 Bluegrass Commons, Suite 2102Hendersonville, TN 37075615-590-4100

www.sumnerbankandtrust.com

Member FDIC Equal Housing Lender 0507_2000

Momentum

ExpressFree Checking You prefer paper over plastic. Whip out your pen and checkbook and write away. We’re not going to stop you.

• Unlimited check writing• First order of regular checks free (limit 50)• Four free ATM transactions nationwide• Monthly statements• No annual fee credit card*

Monthly service fee? NoAdditional fees? $3.00 each for optional image

statements.Interest? No

Interest CheckingYou work hard for your money and you want it to work hardfor you. You also want to access it your way: by check, by debit card, by ATM or online. We couldn’t agree with you more.

• Unlimited check writing• First order of regular checks (50) free• Unlimited free ATM transactions nationwide• Image statements• No annual fee credit card*

Monthly service fee? Maybe. $10; waived with a $1,500 minimum daily balance.

Interest? Yes. Tiered interest earned on daily collected balances. Interest tiers:$0 – 2,499$2,500 - 9,999$10,000 - 24,999$25,000 - 49,999$50,000 or more

S A V I N G S , C D s , I R A sRainy days. Vacation days. Retirement days. Set some asideand watch it grow. Someday you’ll be glad you did.

Regular SavingsYou’ve got to start somewhere. What better place than here?

•No charge for first six withdrawals per quarter– $3 per withdrawal over six

• Free Online Banking• Interest compounded monthly and posted quarterly• Account statement mailed quarterly

Minimum to open? $50Service fee? Yes. $5 quarterly; waived by any

of the following:•$100 minimum daily balance•Age 19 or younger

Christmas ClubYou know it’s coming. Save for it now so you won’t be hit with all those bills in January.

• Account may be opened year round• Annual withdrawal in November• Simple interest posted immediately before distribution

of check

Minimum to open: $50Service fee? NoOther fees? $5 for first withdrawal

(second withdrawal closes account)

Money Market Ready to take your savings to the next level? Check this out.

• Six free withdrawals per month (with no more than three by check)

– $15 per withdrawal or check written over limit• Free regular checks (50)• Free Online Banking• Monthly statements• Interest compounded monthly

Interest tiers:$0 – 2,499$2,500 - 9,999$10,000 - 49,999$50,000 - 99,999$100,000 – 249,999$250,000 or more

Minimum to open: $50Service fee? Yes. $12; waived by the following:

• $2,500 minimum daily balance

Health Savings Account (HSA)You take care of your physical and your financial well-being.An HSA helps you do both.

• Free checks (up to 50)• Free Visa® check card• Free Telephone Banking• Free Online Banking• Unlimited free ATM transactions nationwide

Monthly Service Fee: Yes. $1

Certificates of Deposit (CD)You’ve got it – you just don’t need it right now. Park it here,set the meter and earn more.

• Minimum deposit to open - $1,000• Grace period – 10 calendar days• Automatically renewable• Interest may be paid monthly, quarterly, annually or at

maturity (at least once a year) by direct deposit or check

Individual Retirement Accounts (IRA)You’re thinking about someday. Someday the kids will go tocollege. Someday you’ll retire, not retreat. Your IRA, RothIRA or SEP will be there for you when that day comes withautomatic interest distributions by check or direct deposit.

Minimum deposit to open? $100

I N V E S T M E N T S E R V I C E SYou know where you want to go in life. Our investment specialists are dedicated to helping you reach your currentand future financial goals. They will help you define yourfinancial goals, develop an investment strategy and provideongoing support and service. For more information, give usa call at 615-451-4151.

Beyond

Soar

Advantage CheckingWhy settle for plain cheese when you can order your pizza with “the works”? Pineapple, anchovies, artichoke hearts – you just can’t get too much of a good thing. We know your type.

• Free Advantage Checks (150)• Unlimited check writing• Unlimited free ATM transactions nationwide• Image statements• No annual fee credit card*• .25% loan discount with automatic pay• Free traveler’s checks• Free official checks (up to four per month)• Free notary service • $10,000 AD&D insurance• $2,500 dependent child insurance• Credit card registration• Emergency towing reimbursement• Hotel/car rental discounts

Monthly service fee? Yes. $10Interest? No

Advantage 50 Interest CheckingYou want a checking account that is as full of life as you are.This is no time to slow down. You’re just getting started. Go farwith all the features of our Advantage Checking, plus:

• Free Advantage 50 Checks (150)• 50% discount on safe deposit box (subject to availability)• $100,000 common carrier life insurance

Monthly service fee? Maybe. $8; waived by one of the following: $100 minimum daily balance or direct deposit

Interest? Yes. Tiered interest earned on daily collected balances. Interest tiers:$0 – 2,499$2,500 - 9,999$10,000 - 24,999$25,000 - 49,999$50,000 or more

* Subject to credit approval. Regular credit standards apply.

M O R E C H E C K I N G O P T I O N S