PNC Bank

Credit unions are democratically owned and controlled institutions based on 'people helping people' principles. Credit union boards of directors are elected by members; each member has an equal vote, regardless of how much he or she has on deposit. Only members may serve as directors. Credit unions have no outside stockholders, so after reserves are set aside, earnings are returned to members in the form of higher dividends on savings, lower loan rates and lower cost services. Founded on the basic democratic premise of the cooperative movement, credit unions believe that access to low-cost financial services is critical to the health and stability of ordinary citizens. In fact, nearly 80 million Americans trust that their credit union will provide the services to improve their financial well being. Credit union membership offers many benefits. Services offered range from simple savings to home equity loans to IRAs. Study after study has revealed that on average, credit unions provide the best financial offerings with fewer fees, lower rates on loans and higher rates on savings. And credit unions continually score higher than all other financial institutions in consumer satisfaction surveys. Credit unions strive to deliver the best possible service to their most important asset -- their members. Your Credit Union is a not-for-profit financial cooperative providing the best service to our most important assets - our members.

We'll keep your money boring so your life doesn't have to be. PNC Bank. Brilliantly Boring since 1865

ErieBank is a division of CNB Bank. CNB Financial Corporation provides a range of banking activities and services for individual, business, governmental and institutional customers through its wholly owned subsidiary, CNB Bank. These activities and services principally include checking, savings, time and deposit accounts; real estate; commercial, industrial, residential and consumer loans; and a variety of other specialized financial services. The bank also provides trust services, including the administration of trusts and estates, retirement plans and other employee benefit plans. County National Bank's market area is in central Pennsylvania. As publicly traded holding company based in Clearfield, Pa., CNB Financial Corporation s shares are listed on the NASDAQ. ErieBank maintains a location in Erie, Pa.