Quest^SM and UltraQuest^SM

You've worked hard to get where you are. And we think you should be rewarded for your financial success. That's why we offer Quest and UltraQuest premium checking accounts. They are interest-bearing accounts with loads of extras.

Our Quest accounts have many financial benefits. See which one best fits your needs:

	Quest	UltraQuest
Higher yields on UltraQuest checking balances
Special rates on 6- to 17-month CDs ($5,000 minimum per CD)
Free specially-designed Quest checks
Free personalized checks (any style)
No monthly fee for Visa® Check Card
Free 3" x 5" safe deposit box (subject to availability)
No First Citizens ATM fees for 24-hour banking at First Citizens, AFFN®, STAR® and PLUS® ATMs
Higher ATM daily cash withdrawal limit
Special rates on new consumer loans and Checkline Reserve
Free Personal Online Services with Bill Pay
No annual fee for a First Citizens Visa Gold® or Visa Platinum® credit card		*
No fee for traditional travelers checks
No fee for notary service (where available)
No fee for cashier's checks or money orders
Free financial plan from Wealth Management Services
* Includes a $25 credit toward the first year BankMiles® fee1

It's easy to qualify for Quest or UltraQuest. In addition to opening a Quest or UltraQuest checking account with a minimum required deposit of $100 ($200 for Quest in West Virginia), all you need to do is maintain one of the following qualifiers to avoid monthly service charges:

For a Quest account

• A First Citizens EquityLoan account or an EquityLine credit line of $10,000 or more OR
• $2,500 or more in a Regular Savings account OR $5,000 or more in a Tiered Money Market Savings Account (West Virginia only)
• A combined daily balance of $5,000 ($10,000 West Virginia only) or more in checking, Regular Savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs² or Investor Services (IVS).³

For an UltraQuest account

• A combined daily balance of $25,000 or more in checking, Regular Savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs,² or Investor Services (IVS).³