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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 Services Offering Choice Advantage M&S Checking Value Unlimited Checking a a a Up to 20 debits per statement cycle at no charge Checks Free Customized Choice Checks Discounted Regal Checks d d Free Online Banking a a a a Free Online Billpay a Free for 90 days Free for 90 days Free for 90 days Visa Debit Card* a a a a Free ATM use at any M&S Bank ATM a a a a Image Statement a a a d Unlimited Teller Transactions a a a d Other Information At no charge you receive Overdraft Protection, 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. Overdraft Protection setup at no charge Overdraft Protection 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 $11.00 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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