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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 Personal Banking Service Interest Checking (NOW checking) Required Opening Deposit $1,000 Minimum Balance $1,000 minimum daily balance to avoid fees Fees $12.50 monthly balance requirement fee, plus $0.25 per debit Interest Interest Bearing (see rate chart for current rate) Other Information Free Online Banking - 24 hours a day, 7 days a week Free Online Billpay for 90 days Visa Debit Card* Free ATM use at any M&S Bank ATM Image Statement *Subject to credit approval

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