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Personal Banking Services Personal Offerings Senior Offerings Student Value Interest Checking Money Market Regular Savings Minor Savings Business Banking Services Business Offerings Interest Checking Not-For-Profit Money Market Regular Savings 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 Services Offering Choice Advantage M&S Checking Value Unlimited Checking ● ● ● Up to 20 debits per statement cycle at no charge Checks Free Customized Choice Checks Discounted Regal Checks     Free Online Banking ● ● ● ● Free Online Billpay ● Free for 90 days Free for 90 days Free for 90 days Visa Debit Card* ● ● ● ● Free ATM use at any M&S Bank ATM ● ● ● ● Image Statement ● ● ●   Unlimited Teller Transactions ● ● ●   Other Information At no charge you receive Overdraft Protection Option, Notary Service, Combined Monthly Statement, Travelers Cheques and Official Checks. Discount on consumer loans; Annual fee waived for Personal Redi-Lines; 50% discount on Safe Deposit Box. Overdraft Protection Option setup at no charge. Overdraft Protection Option setup at no charge Check Safekeeping Required Opening Deposit $500.00 $100.00 $100.00 $100.00 Minimum Balance $2,000 in CHOICE Checking Account or $5,000 in Personal Savings or Money Market or $5,000 in CD or IRA None $600 minimum daily balance None Fees $20 monthly balance requirement fee $10.50 monthly maintenance fee $12.00 monthly balance requirement fee, plus $0.25 per debit charge $6.50 monthly maintenance fee, plus $0.35 per debit after 20 Interest Non-Interest Bearing Non-Interest Bearing Non-Interest Bearing Non-Interest Bearing *Subject to credit approval

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