Ouachita Independent Bank - Special Accounts

Welcome to "Primetime," a package of OIB's most popular banking services exclusively offered at no charge to our valued customers ages 50 and better.

As a Primetime customer, you never pay service or transaction fees on any OIB non-interest bearing checking account. To qualify maintain an OIB Interest Checking, Ultra Checking account, or OIB Money Market Checking account, an OIB Regular Savings account or any OIB CD of six months or more maturity.

Preferred Rates! As a PrimeTime customer, your OIB CD of six months or more maturity will automatically earn interest at 1/4% over our stated CD rates.*

PrimeTime customers receive 50% discount off the first year's rent on any safe deposit box (subject to availability).*

As a "Teacher's P.E.T." customer, your OIB CD of six months or more maturity will automatically earn interest at 1/4% over our stated CD rates, and you'll save 25 basis points off the interest rate on any OIB loan is payment is made by automatic debit from your Teacher's P.E.T. account. In addition, save ¼% on OIB's standard 1% mortgage loan origination fee. *

Welcome to your Line of Duty Account, a Package of OIB's most popular banking services exclusively offered Free from monthly charges to our valued customers employed by any Law Enforcement Agency, Fire Protection Agency, Active Military or Medical Profession.

As a Line of Duty Account Holder, you pay no service or transaction fees on any OIB non-interest bearing checking account. Write as many checks as you like without a service charge.

As a Line of Duty Account holder, your OIB CD with a maturity of 6 months or longer will automatically earn an interest rate of ¼% over our stated CD rates. You also will save ¼% on the interest rate on any OIB consumer loan if payment is made by automatic debit from your Line of Duty Account. In addition, save ¼% on OIB's standard 1% mortgage loan origination fee.

Line of Duty Account Holders receives a 50% discount off the first year's rent on any size safe deposit box. (subject to availability).

OPTIONAL PLUS PACKAGE: For only $5.00 a month you can add this package of extra benefits, which is available only to the Special Account Holders (Line of Duty, Teacher's P.E.T & PrimeTime).

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Liberty Line

A Liberty Line of credit from OIB is your ticket to freedom. More convenient than a regular loan and more affordable than credit cards, Liberty Line supplies money as you need it -- when you need it.

Convenient!

Once you qualify for Liberty Line, your paperwork is already done. No need to visit the bank again. Just fill out a special purpose check, and it will be drawn against your already established Liberty Line of personal credit.

Affordable!

The floating interest rate is normally significantly less that credit cards, and there's NO annual fee. Liberty Line gives you the freedom to make those larger purchases you would rather not make with a credit card.

Revolving!

Take your balance up, or bring it down. Minimum draw is $250, and your detailed monthly statement will show your minimum payment.

Qualify!

Your Liberty Line of credit can be secured or unsecured. Secure it with your home and the interest paid may be tax deductible (consult your tax advisor). Financial strength, credit history and collateral value will determine your limit.

Freedom!

Talk with one of our friendly loan officers for more information, and apply for your own Liberty Line today.

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	Prime Time \| Teachers P.E.T. \| Liberty Line \| Line of Duty Account

	Prime Time Welcome to "Primetime," a package of OIB's most popular banking services exclusively offered at no charge to our valued customers ages 50 and better. No Service Charge OIB Checking! As a Primetime customer, you never pay service or transaction fees on any OIB non-interest bearing checking account. To qualify maintain an OIB Interest Checking, Ultra Checking account, or OIB Money Market Checking account, an OIB Regular Savings account or any OIB CD of six months or more maturity. Preferred Rates! Preferred Rates! As a PrimeTime customer, your OIB CD of six months or more maturity will automatically earn interest at 1/4% over our stated CD rates.* Safe Deposit Box Discount! PrimeTime customers receive 50% discount off the first year's rent on any safe deposit box (subject to availability).* FREE Additional banking Services! Our PrimeTime customers also receive these convenient banking services at no charge.* Cashier's Checks Money Orders Traveler's Cheques Notary Service Special personalized Checks Financial Consultation Overdraft Transfer between Deposit Accounts Internet Banking and BillPayer Checking Account required to be eligible for other benefits Back to Top* Teachers P.E.T. Welcome to Teacher's P.E.T (Package of Exceptional Treatment), a package of OIB's most popular banking services exclusively offered at no service charge to our appreciated customers who are educators, including all personnel employed by any school system. No Service Charge OIB Checking! As a Teacher's P.E.T customer, you never pay service or transaction fees on an OIB regular checking account, and your first order of 200 wallet-size checks is free. Please ask about our Direct Deposit service as well. Preferred Rates! As a "Teacher's P.E.T." customer, your OIB CD of six months or more maturity will automatically earn interest at 1/4% over our stated CD rates, and you'll save 25 basis points off the interest rate on any OIB loan is payment is made by automatic debit from your Teacher's P.E.T. account. In addition, save ¼% on OIB's standard 1% mortgage loan origination fee. * Safe Deposit Box Discount! Teacher's P.E.T. customers receive a 50% discount on first year rent on 3x5 deposit box (subject to availability)* FREE Banking Services! Additionally, our Teacher's P.E.T. customers receive these convenient banking services at no charge* Cashier's Checks Money Orders Traveler's Cheques Notary Service Financial Consultation Internet Banking and BillPayer Checking Account required to be eligible for other benefits. Back to Top* Line of Duty Account Welcome to your Line of Duty Account, a Package of OIB's most popular banking services exclusively offered Free from monthly charges to our valued customers employed by any Law Enforcement Agency, Fire Protection Agency, Active Military or Medical Profession. No Service Charge OIB Checking As a Line of Duty Account Holder, you pay no service or transaction fees on any OIB non-interest bearing checking account. Write as many checks as you like without a service charge. Preferred Rates As a Line of Duty Account holder, your OIB CD with a maturity of 6 months or longer will automatically earn an interest rate of ¼% over our stated CD rates. You also will save ¼% on the interest rate on any OIB consumer loan if payment is made by automatic debit from your Line of Duty Account. In addition, save ¼% on OIB's standard 1% mortgage loan origination fee. Safe Deposit Box Discount Line of Duty Account Holders receives a 50% discount off the first year's rent on any size safe deposit box. (subject to availability). Free Banking Services Free Traveler's Cheques Free money orders and cashier's checks Free internet banking and free billpayer for the first year Free investment and financial planning seminars or private consultation Direct Deposit of your payroll checks Automatic Funds Transfer Check Safe Keeping Convenient Ring Binder to organize your statements and check image Internet Banking and BillPayer OPTIONAL PLUS PACKAGE: For only $5.00 a month you can add this package of extra benefits, which is available only to the Special Account Holders (Line of Duty, Teacher's P.E.T & PrimeTime). Lifestyle Benefits 20,000 Accidental Death & Dismemberment Insurance & 100,000 Common Carrier: This is provided immediately at no additional charge .For joint Special Account Holders, total coverage is divided evenly. Prescription Drug Discounts: Through a nationally recognized prescription drug program, Special Account Holders will receive the best price available on your prescription at your local participating pharmacy. Hotel & Motel Discounts: Special Account Holders may save up to 50% on each night of their stay at thousands of hotels and motels across America and abroad. Restaurant discounts are available within many of these facilities. Credit Card Registration Service: Register all your credit cards with our convenient protection service. Should your credit cards become lost or stolen, call our toll-free number and our operators will make all the necessary arrangements to have your registered cards cancelled and reissued immediately. Key Ring Protection: Your lost keys can be dropped in any mailbox and returned to you at no additional charge. Personalized Checks: Will be provided to you designating you as a Special Account Holder (Line of Duty Account, Teacher's P.E.T or PrimeTime) at no additional charge. Note: PrimeTime account holders automatically get personalized checks. Living Family Journal: Create peace of mind from the convenience of your personal computer. Organize, record, and document personal, medical and financial information. www.allaboutfamily.com/sisk Identity Watch: Provides you with a copy of your credit report, ongoing credit monitoring and comprehensive victim assistance benefits. Identity Watch is an easy way to protect yourself against one of the fastest growing crimes. Back to Top Liberty Line A Liberty Line of credit from OIB is your ticket to freedom. More convenient than a regular loan and more affordable than credit cards, Liberty Line supplies money as you need it -- when you need it. Convenient! Once you qualify for Liberty Line, your paperwork is already done. No need to visit the bank again. Just fill out a special purpose check, and it will be drawn against your already established Liberty Line of personal credit. Affordable! The floating interest rate is normally significantly less that credit cards, and there's NO annual fee. Liberty Line gives you the freedom to make those larger purchases you would rather not make with a credit card. Revolving! Take your balance up, or bring it down. Minimum draw is $250, and your detailed monthly statement will show your minimum payment. Qualify! Your Liberty Line of credit can be secured or unsecured. Secure it with your home and the interest paid may be tax deductible (consult your tax advisor). Financial strength, credit history and collateral value will determine your limit. Freedom! Talk with one of our friendly loan officers for more information, and apply for your own Liberty Line today. Back to Top


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	Special Accounts