FREE* Checking Account

• No monthly service charges
• No minimum balance required*
• FREE Visa^® Check Card - Issued on the spot!
• Unlimited FREE ATM withdrawals at VCB machines*
• FREE access to TeleBanking - our automated telephone response system
• Overdraft Line of Credit available to cover unplanned expenses or cash flow fluctuations*

* Free of monthly maintenance or per item fees. Only $100 minimum to open and no minimum balance after that. Overdraft Line of Credit subject to credit approval. Surcharges from other banks' ATMs may be assessed. Ask us for complete information.

MEGA Checking Account - No ATM Fees - No Overdraft Fees - No Kidding!

• High market-leading rate
• No annoying overdraft fees - really!
• No ATM fees at any ATM in the world - Even at another bank's ATM, when the screen displays the warning "You will be charged $3 for this transaction. Do you want to proceed?" Just click "yes" and we'll automatically pay their fee.
• Bonus rate of .10% on all new CDs
• $1,000 towards closing costs on a VCB residential mortgage
• Discounted rates for Home Equity Loans and Lines of Credit
• No fees on stop payments, domestic wire transfers, deposit return items, deposit corrections or notary services
• FREE Visa^® Check Card with ScoreCard Rewards program
• FREE online banking with FREE bill pay
• FREE 3 x 5 safe deposit box
• FREE custom printed checks

*A $10,000 average personal checking account balance or a combined personal deposit relationship of $50,000 must be maintained to obtain yield and avoid a $25 monthly service charge. Fees may reduce earnings. We will waive any overdraft fees, but reserve the right to return checks presented against an insufficient balance. VCB will pay all ATM fees, including fees assessed by non VCB ATMs. VCB reserves the right to modify or discontinue the ATM fee waivers at any time. Home equity loans and lines of credit are subject to credit approval. Safe deposit box is subject to availability. Limit one MEGA Checking account per household. Ask for complete details.

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Medallion Checking Account - Personal Interest Checking Based on a Total Relationship

With a combined deposit relationship of only $15,000, you will receive an above market rate on one personal checking account, plus . . . you qualify for these additional benefits:

• No monthly service charge or minimum balance required in the checking account as long as total relationship balance is maintained.
• Custom-printed Medallion Account checks provided FREE of charge*
• FREE Visa^® Check Card - Issued on the spot!
• FREE unlimited ATM access at any STAR or CIRRUS terminal worldwide*
• Bonus rate of .10% on one Certificate of Deposit*
• FREE 3x5 Safe Deposit Box*
• No fee to purchase American Express traveler's checks* or cashier's checks
• FREE notary service*

* This is a variable rate account that is subject to change at any time. A $12 monthly maintenance fee will apply in months where the total combined relationship falls below $15,000. Free checks apply to the Bank's Medallion style only. ATM fees at non-VCB terminals are $1.50 per transaction plus any surcharges other banks may assess. Bonus rate excludes No Risk/No Penalty CD or other promotional CD offers. Free Safe Deposit Box is subject to availability. Free travelers checks applies to checks for one only. Free notary service is available to all Bank customers. Fees could reduce earnings. Ask us for full details.

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Interest Checking Account

An interest-bearing personal checking for individuals, sole proprietors or husband and wife partnerships offering these benefits:

• No minimum balance or monthly service charge when a $1,000 balance is maintained*
• FREE Visa^® Check Card - Issued on the spot!
• Unlimited FREE ATM withdrawals at VCB machines*
• Unlimited check-writing capability
• FREE notary service*

*If daily balance in the NOW Account falls below $1,000, a $10 monthly maintenance fee will apply. Free notary service is available to all Bank customers. ATM fees at non-VCB terminals are $1.50 per transaction plus any surcharges other banks may assess. Fees could reduce earnings.

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VCB offers money market accounts that pay interest monthly and provide flexibility with limited check-writing capabilities.

• Maintain $2,500 minimum balance to avoid a $10.00 maintenance fee.
• Excess activity charge for more than six withdrawals and/or more than three checks is $9.00 per item.

MEGA Money Market Account

Above-market interest rates earned are tierred based on the account balance. This account requires new money and a VCB checking account.

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Savings Accounts

VCB offers both regular and junior savings accounts (for savers under 18). Junior savings accounts have no minimum balance requirement and no monthly service charges. Statements are produced quarterly and interest is posted quarterly. Fees could reduce earnings.

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Certificates of Deposit

VCB offers competitive rates on all types of Certificates of Deposit from 91 days up to five years.

Fixed Term Certificate of Deposit:
The minimum opening deposit on regular CD's is only $500. A penalty may be imposed for early withdrawal.

No-Penalty Certificate of Deposit:
Permits one penalty- free withdrawal for all or part of the balance after the account has been opened for 14 days. Additional withdrawals are subject to standard penalties and could reduce earnings.

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CDARS
Certificate of Deposit Account Registry Service

Worried about FDIC insurance on deposits over $100,000? Relax, now you can access up to $50 million in FDIC insurance. With VCB and CDARS, you will benefit from:

• Safety: FDIC insurance covers up to $50 million.
• Leading Rates: VCB offers consistently high CD rates.
• Convenience: Work directly with us and earn one interest rate, get one regular statement and one year-end tax form.

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CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.

Individual Retirement Accounts (IRAs)
Traditional or Roth - Now you can save more than ever!

VCB offers a full range of IRAs in Certificates of Deposit at competitive rates and terms. In 2006, annual contributions to Traditional and/or Roth IRA (aggregated) may be made up to $4,000.00 for customers age 49 and younger and up to $5,000.00 for those customers age 50 and older, which includes catch-up contributions. For additional information on IRAs, call or visit any one of our branch offices. APY assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings.

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Coverdell Education Savings Accounts (ESA)
Formerly referred to as Education IRAs

Whether you want to save for college, pay tuition at a private school (elementary or high school), or provide for an after-school tutoring, an ESA could be your sold's lution for your chieducation. Open a Certificate of Deposit and contribute up to $2000 per year to an ESA for your designated beneficiary. APY assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings.

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