Checking Accounts Free Personal Checking¹ No Minimum Balance No Monthly Fee No Per Check Charges FREE Direct Deposit FREE Checks² FREE Check Card³ FREE 24-Hour Online & Telephone Banking Optional Overdraft Protection Savings Accounts Statement Savings¹ With an RSI Statement Savings account you can access your funds by ATM, telephone, in person and even online - all at a competitive rate! Convenient Monthly Statements Low minimum deposit of only $10.00 to open an account FREE Direct Deposit FREE Check Cards² FREE 24-Hour Online & Telephone Banking No Monthly Fee³ Mortgage Programs Fixed Rate Mortgages Perfect for those looking to stay in their home for many years Competitive Rates LOW Application Fee NO Hidden Costs Lock in your Interest Rate for up to 60 Days Pre-Qualification and Pre-Approval FREE 24-Hour Online and Telephone Banking Apply Online Home Equity Programs Fixed Rate LOW Interest Rates NO Points NO Fees NO Prepayment Penalties FAST Approval DISCOUNTED Rate for Automatic Debit from your RSI Checking Account Terms up to 15 Years Borrow up to 75% Combined Loan-To-Value of the Current Market Value of your home FREE 24-HLoan Services We know that maintaining your loan can be a time-consuming process. RSI Bank offers the following services to make that task, and your life, a little easier. Automatic Payments - Pay your RSI loans from an account held at RSI Bank or any other bank Online Banking - Make payments and view your payment history online 24 hours a day Telephone Banking - Make payments and hear your payment history anytime Apply Online - Complete and submit your mortgage application oniline, anytimeour Online and Telephone Banking Investments Investments and Retirement Planning Made Easy at RSI Bank! Professionally Managed Investment Portfolios* A diversified and disciplined investment program that employs low cost vehicles to develop personal, professionally managed investment portfolios and features: Personalized objective investment advice Ongoing investment monitoring and due diligence Direct access to your financial service professional at RSI Bank Individual Retirement Accounts Featuring Rollovers & 401(k) Transfers* The decisions you make today regarding your retirement funds will affect you for the rest of your life. We can help you find what works best for you. An RSI Bank Investment Solutions IRA: Offers a flexible and cost-effective solution Allows you to consolidate all of your retirement funds into one convenient plan Take advantage of numerous investment options Complete control over you retirement plan Retirement Accounts For Businesses* From 1 employee to 1 million, RSI Bank can help your firm set up a plan that will maximize your employees' retirement savings with: 401(k) Plans for your employees Profit-Sharing for your successful business Defined Benefit Pension plans FREE analysis of your current retirement plan Reverse Mortgages* If you are over 62 years of age and own your own home, let a REVERSE MORTGAGE unlock the equity in your home allowing you to: Receive a monthly income payment Enjoy a better life after retirement Pay taxes and medical bills Ease the pressure of every-day expenses A REVERSE MORTGAGE allows you to borrow against the equity in your home without having to pay anything until you move out! No income requirements No credit qualifications Annuities (Tax-Deferred Savings)* Protect your assets knowing you have income to live on Long-term savings with full refund of principal at all times and tax-deferred growth of interest Designed for long-term savers choosing to pass assets to heirs