FEE SCHEDULE

VALUE CHECKING ACCOUNTS

• Unlimited check writing
  
• $100 minimum opening balance
  
• No monthly account maintenance fee with a monthly average balance of $1,500 in your
  account each statement cycle or a combined prior month-end average balance of
  $5,000 or more in a combination of your qualifying consumer deposit accounts at Desert
  Community Bank; otherwise, a $5 monthly maintenance fee will be charged
  

DIAMOND CLUB CHECKING ACCOUNTS (55 and over)

• No monthly account maintenance fee
  
• No minimum monthly balance requirement
  
• $100 minimum opening balance
  
• No per check charge
  
• No charge on exclusive DCB checks
  
• Fees waived for Traveler's Checks, Official Checks and Money Orders
  
• Preferred CD rates
  
• 50% discount on safe deposit boxes
  

PREMIER CHECKING ACCOUNTS

• Variable, tiered-rate interest bearing account
  
• $100 minimum opening balance
  
• No monthly account maintenance fee with a monthly average balance of $2,500 in your
  account each statement cycle, or a combined prior month-end average monthly balance of
  $10,000 or more in a combination of your qualifying consumer deposit accounts at Desert
  Community Bank; otherwise a $10 monthly maintenance fee will be charged
  

PREMIER MAXIMIZER MONEY MARKET ACCOUNTS

• Variable rate tiered-interest bearing account
  
• $10,000 minimum opening balance
  
• Limited to six (6) third-party withdrawals and transfers per month, through a combination of check,
  pre-authorized electronic transfer, or similar order to pay a third-party
  
• No monthly account maintenance fee with a monthly average balance of $2,500 in your
  account each statement cycle, or a combined prior month-end average monthly balance of
  $10,000 or more in a combination of your qualifying consumer deposit accounts at Desert
  Community Bank; otherwise a $12 monthly maintenance fee will be charged
  

PREMIER SAVINGS ACCOUNT

• Variable, tiered-rate interest bearing account
  
• $100 minimum opening balance
  
• No monthly account maintenance fee with a monthly average balance of $2,500 in your
  account each statement cycle, or a combined prior month-end average monthly balance of
  $10,000 or more in a combination of your qualifying consumer deposit accounts at Desert
  Community Bank; otherwise a $3 monthly maintenance fee will be charged.
  

JUST FOR TEENS SAVINGS ACCOUNT (13-17 years of age)

• Variable, tiered-rate interest bearing account
  
• $100 minimum opening balance
  
• No monthly account maintenance fee when held by an individual under 18 years, with a
  
parent or legal guardian as a joint account holder

DIAMOND CLUB SAVINGS (55 and over) New!

• Variable, tiered-rate interest bearing account
  
• No monthly account maintenance fee
  
• No minimum monthly balance requirement
  
• $100 minimum opening balance
  

OVERDRAFT PROTECTION

Savings Account

• Automatic transfers from savings to cover items presented against insufficient funds
  in checking account. $3 per transfer. See any branch office for details.
  

CASH RESERVE LOAN

• See any loan officer for account details and application
  

STANDARD BUSINESS CHECKING

• No minimum opening balance requirement
  
• No monthly account maintenance fee with a minimum average monthly balance of $5,000;
  otherwise, a $10 fee will be charged
  
• No monthly charge for cash deposits of up to $7,500, thereafter, $0.20 for each additional $100
  
• No monthly charge for up to 100 check deposits, thereafter, $0.20 per check
  
• No monthly charge for up to 100 checks paid, thereafter, $0.20 per check
  
• No monthly charge for up to 25 deposit tickets, thereafter, $1 per deposit ticket