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4 Personal Banking Services Personal Offerings Senior Offerings Student Value Interest Checking Money Market Regular Savings Minor Savings 4 Business Banking Services Business Offerings Interest Checking Not-For-Profit Money Market Business Savings 4 Other Banking Services Mortgage Services ATM Cards & Services CD's & IRA's Redi-Line Home Equity Loan Safe Deposit Boxes Visa Debit Cards Check Imaging & CD-ROM Business Banking Services Offering Business Analysis Business Advantage Business Value Free Online Banking a a a Free Online Billpay Free for 90 days Free for 90 days Free for 90 days Image Statement a a _ Other Information An earnings allowance rate established by M&S Bank and applied to an adjusted account balance is used to offset service costs and fees. This is not interest. 300 deposited items and 125 debits per statement cycle Up to 20 debits per statement cycle at no charge Required Opening Deposit $100.00 $100.00 $100.00 Minimum Balance None $10,000 minimum daily balance None Fees $16.00 monthly maintenance fee $0.30 cost per deposit $0.11 cost per item deposited $0.15 cost per debit (items paid) $0.000012 times average monthly ledger balance charged for FDIC Insurances Assessment (changes periodically) $15.00 if balance requirement is not met $9.50 monthly maintenance fee, plus $0.35 per debit after 20 Interest Non-Interest Bearing Non-Interest Bearing Non-Interest Bearing Please refer to our brochure for an example of analysis checking

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