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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 Regular Savings 4 Other Banking Services Mortgage Services ATM Cards & Visa Debit Cards CD's & IRA's Home Equity Line of Credit Safe Deposit Boxes Check Imaging & CD-ROM Treasury Management 4 Other Services Investment Services Personal Banking Service CHOICE Checking Required Opening Deposit $500 Minimum Balance $2,000 in the CHOICE Checking Account $5,000 in Personal Savings or Money Market $5,000 in a CD or IRA Fees $20 monthly balance requirement fee Interest Non-Interest Bearing Other Information Unlimited Checking Customized Choice Checks at no charge Overdraft Protection at no charge Notary Service at No Charge Discount on Consumer Loans Annual Fee Waived for Personal Redi-Line Combined Monthly Statement Image Statement Travelers Cheques at no charge Official Checks at no charge Safe Deposit Box discounted 50% Free Online Banking - 24 hours a day, 7 days a week Free Online Billpay Visa Debit Card* Free ATM use at any M&S Bank ATM Unlimited Teller Transaction *Subject to credit approval

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