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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 Other Services Investment Services Senior Banking Services Offering Choice 50 Value 50 Unlimited Checking ● ● Checks Free Customized Choice Checks - Free Online Banking ● ● Free Online Billpay ● Free for 90 days Visa Debit Card* ● ● Free ATM use at any M&S Bank ATM ● ● Image Statement ● - Unlimited Teller Transactions ● ● Qualifier Must be at least 50 years of age Other Information At no charge you receive Overdraft Protection Option, Notary Service, Combined Monthly Statement, Travelers Cheques, Official Checks, and Money Orders. Discount on consumer loans; Annual fee waived for Personal Redi-Lines; 50% discount on Safe Deposit Box; Premium CD Rates Check Safekeeping Required Opening Deposit $500.00 $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 Fees $20 monthly balance requirement fee $3.95 monthly maintenance fee, fee waived with monthly direct deposit Interest Non-Interest Bearing Non-Interest Bearing *Subject to credit approval

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