welcome NORTH AKRON SAVINGS BANK CUSTOMERS

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1 welcome NORTH AKRON SAVINGS BANK CUSTOMERS

2 welcome TO PEOPLES BANK! Remember why you chose a community bank? Chances are you wanted to have your financial services institution know you, know your particular financial situation, and structure financial solutions to meet your needs. We can do that. At Peoples Bank, you ll get all the personalized service you expect from a community bank WITH a complete array of conveniences, products and services all delivered with deep financial expertise. As a community bank, we know that strong communities provide strong opportunities for residents and businesses. That s why annually, Peoples supports hundreds of causes, from social services to the fine arts, that help foster excellence in the communities we serve. Who we are Peoples Bank is a stable financial institution with $2.4 billion in assets. Peoples Bank has more than 110 years serving customers in Ohio, West Virginia and Kentucky. We have a long tradition and significant reputation for building strong relationships with our customers and the communities in which we do business. We work to provide just the right products and services so that our customers and their communities can thrive. And what we believe in Our brand promise says it all: We will work side by side to overcome challenges and seize opportunities. We listen and work with you. Together we will build and execute thoughtful plans and actions, blending our experience and expertise, to move you toward your goals. Our core difference is providing you peace of mind, confidence and clarity in your financial life. Working Together. Building Success.

3 Photo courtesy of Karin Warner Photography

4 TABLE OF CONTENTS GENERAL INFORMATION...1 PERSONAL ACCOUNTS Checking Accounts & Debit Cards...2 Overdraft Protection & Overdraft Privilege SM...5 Savings & Money Market Accounts...6 CDs & IRAs...8 Mortgages, Home Equity & Installment Loans...9 Personal Banking Conveniences...10 Credit Cards ATMs Safe Deposit Boxes Telephone Banking Online Banking & Bill Pay Mobile Banking Personal Banking Products & Services...12 BUSINESS ACCOUNTS Checking Accounts & Debit Cards...13 Savings & Money Market Accounts...16 CDs...17 Loans...18 Business Account Conveniences...19 Credit Cards Telephone Banking Business Online Banking & Bill Pay Mobile Banking Lockbox Remote Deposit Capture Wire Transfers Merchant Services Business Banking Products & Services...21 ACCOUNT DETAILS & DISCLOSURES Electronic Fund Transfers...23 Overdraft Privilege SM...25 Schedule of Fees...26 Regulation CC Initial Disclosure...27 Consumer Deposit Account Agreement...28 OFFICE LOCATIONS...33

5 GENERAL INFORMATION Q. When will I officially become a Peoples Bank Customer? A. Your North Akron Savings Bank accounts will be electronically converted to Peoples Bank accounts following the close of business on Friday, October 24, The first day of business with Peoples Bank will be Saturday, October 25, Q. Which offices will be open during the conversion? A. All North Akron Savings Bank offices will be open for normal business hours during the conversion. These include: 158 E Cuyahoga Falls Ave., Akron, Ohio 1871 State Road, Cuyahoga Falls, Ohio 34 S Main Street, Munroe Falls, Ohio 3340 Greenwich Road, Norton, Ohio Q. Will the branch hours change? A. No. The branch opening and closing hours will remain the same. You can reference all branch locations on pages Q. Is there anything I need to do right now? A. Not just yet. For now, keep banking as usual with North Akron Savings Bank. Your accounts will automatically be converted to Peoples Bank accounts. But in the next few weeks there may be items that will need your attention to ensure the smoothest possible transition. Simply look for the items marked throughout this guide and follow the steps accordingly. For detailed information on account changes, including new features and benefits, please read the information in this Welcome Guide. If you have any questions, please contact your local North Akron Savings Bank office or call the Peoples Bank Customer Care Department at

6 personal CHECKING ACCOUNTS & DEBIT CARDS Q. Will my checking account number change? A. No. Account numbers will remain the same. Q. Will I need to order new checks? A. No. You can continue to use your North Akron Savings Bank checks as usual. At the time of conversion, North Akron Savings Bank checks will automatically be routed to Peoples Bank and processed through our system. If you would like to order new Peoples Bank checks, please see a Customer Service Representative after the conversion or call If you choose to buy your checks, deposit slips or other supplies from a third party, please see a Customer Service Representative for proper specifications. Q. If I write a check before the conversion and it doesn t clear until after the conversion, will it be paid? A. Yes. All North Akron Savings Bank checks will automatically be sent to Peoples Bank. If the funds are available in your checking account, the checks will be paid. Q. Will I need a new debit card? A. Yes. Beginning the week of October 20, 2014, customers who currently have a North Akron Savings Bank debit card will start receiving their new Peoples Bank debit card. You will receive a new card with a new card number and your PIN in separate mailers. (Your PIN mailer may arrive before your card mailer). You can activate and begin using your new Peoples Bank debit card on October 24, After activation, you can change your PIN by using any Peoples Bank ATM or by calling Q. If I have multiple North Akron Savings Bank accounts with debit cards, how can I tell to which account the debit cards belong? A. You may perform a balance inquiry at any Peoples Bank ATM and the last four digits of the account number will show on your ATM receipt. 2

7 Q. Will I need to set up recurring payments on my debit card? A. Yes. If you have recurring payments set up on your North Akron Savings Bank debit card, you will need to contact those companies and provide your new Peoples Bank debit card information. Q. When can I begin using Peoples Bank ATMs surcharge-free? A. You can begin using your new Peoples Bank debit card at ATMs owned by Peoples Bank surcharge-free on October 24, Peoples Bank will charge a $1.00 fee for each ATM transaction at non-peoples Bank ATMs in addition to any surcharge fee the ATM owner may impose. ATM locations are noted in the directory included in this Welcome Guide and also online at peoplesbancorp.com. Q. When I reorder checks or deposit slips, do I use the form that came with my North Akron Savings Bank checks? A. No. When new checks or deposit slips are ordered, it is imperative that you include your account number and your new Peoples Bank routing number. If you have any questions, please see a Customer Service Representative after your conversion or call If you choose to buy your checks, deposit slips or other supplies from a third party, please see a Customer Service Representative for proper specifications. Q. Will I need to change my direct deposit or direct payments? A. No. If you receive Social Security, payroll or other Automated Clearing House (ACH) direct deposits into your checking account, you will not notice any disruption of service. Starting October 27, 2014, your direct deposits will automatically be deposited into your Peoples Bank account as scheduled. Likewise, if you have insurance or other payments automatically withdrawn from your North Akron Savings Bank accounts, this service will continue as usual. Q. Will I receive my checking account statement at the same time of the month as in the past? A. Your last North Akron Savings Bank statement will be generated on October 24, Thereafter, you will receive your Peoples Bank statement on the day of the month in which you opened your account with North Akron Savings Bank. Q. Will Peoples Bank deposits be FDIC insured after conversion? A. Yes. Peoples Bank is an FDIC-insured institution, and depositors are insured up to the limits allowed by law. If you have Peoples Bank and North Akron Savings Bank deposits, which combined are over the FDIC insurance limits, your deposits will continue to be separately insured for six months after conversion. The grace period will allow you the opportunity to restructure as necessary. 3

8 peoples bank PERSONAL CHECKING CHOICES North Akron Savings Bank Platinum Checking will become North Akron Savings Bank Nest Egg Checking will become North Akron Savings Bank Benefit and Interest Bearing Checking will become Checking Benefits Peoples Power Checking Peoples Performance Checking Peoples Prime Checking Peoples Checking Peoples Student Checking Earns as You Swipe earn $0.25 with each debit card transaction 1 No ATM Fees Nationwide 2 12 No Minimum Balance Earns Interest 5 Free Checks Free Online Banking, Bill Pay & Financeworks Free Mobile Deposit 3 ID ProtectALL 8 itunes Rewards 10 Monthly Fee $6 Free 7 when balance stays above $1,000; otherwise $15 Free Free 9 with Direct Deposit or five debit card purchases; otherwise $5 Free 11 when you sign up for e-statements; otherwise $5 4 1 Earn $0.25 every time you use your Peoples Bank debit card for purchases of $10 or more. ATM transactions do not apply. 2 Peoples Bank will waive its standard foreign ATM charge and reimburse up to $20 worth of foreign ATM surcharges monthly. Refunds limited to foreign ATM withdrawal fees only. 3 Standard rates and fees may apply from your wireless carrier. 4 Limited to 50 free basic checks for lifetime of account. Excludes shipping and handling. 5 Fees may reduce earnings. 6 Limited to two boxes of basic checks per year. Excludes shipping and handling. 7 Peoples Performance checking has a $15 monthly service fee if the account balance falls below $1, Services offered through Member Headquarters Association, LLC. 9 The Peoples Checking $5 monthly service charge is waived with direct deposit or five debit card transactions (ATM transactions excluded). 10 Up to $5 itunes purchases reimbursed per month with 15 debit card transactions (ATM transactions excluded). 11 The Peoples Student Checking $5 monthly service charge to be waived when you sign up for e-statements within 30 days of account opening. 12 Refunds limited to ATM withdrawal fees.

9 OVERDRAFT PROTECTION SERVICES & OVERDRAFT PRIVILEGE SM Q. Does Peoples Bank offer overdraft protection? A. Yes. Peoples Bank offers an optional overdraft protection service. We can connect a secondary account (savings or another checking account) to your primary checking account. Through overdraft protection, funds will be transferred from your secondary account in $50 increments for a fee* when an overdraft occurs. If you currently have overdraft protection with North Akron Savings Bank, enrollment in overdraft protection with Peoples Bank is automatic. Q. How does Overdraft Privilege SM work? A. Rather than returning your bounced check or other overdraft item to the business or person it was issued, Peoples Bank will consider paying your overdraft items up to a predetermined limit for only the cost of our normal overdraft fee. As long as you promptly bring your account back to a positive balance and don t exceed your Overdraft Privilege SM limit, we will keep doing so, sparing you the expense and hassle of additional merchant fees. Q. How do customers sign up for overdraft protection service or the Overdraft Privilege SM service? A. To see if your account qualifies or for more details, ask any Peoples Bank associate or call * See fee schedule on page 26. 5

10 personal SAVINGS & MONEY MARKET ACCOUNTS Q. Will my savings account number change? A. No. Account numbers will remain the same. Q. Can I order deposit slips for my savings or money market? A. Yes. If you have any questions, please see a Customer Service Representative after the conversion or call If you choose to buy your checks, deposit slips or other supplies from a third party, please see a Customer Service Representative for proper specifications. Q. Will I receive my savings account statements at the same time of the month as in the past? A. Your last North Akron Savings Bank statement will be generated on October 24, Thereafter, you will receive your Peoples Bank statement on a quarterly basis or monthly basis if you combine this statement with a checking account statement. Q. How will my North Akron Savings Bank Passbook Savings or Statement Savings account be affected? A. Your North Akron Savings Bank Passbook Savings and Statement Savings will become a Peoples Statement Savings Account. This account is perfect for savers looking for a smart way to accumulate cash. Your passbook will no longer be validated; we will provide you receipts after each transaction and routine bank statements are generated for your convenience. Combined statements are also available. Account Fees: There is no monthly fee if the required daily balance is at least $ If the balance falls below $200.00, a $2.00 monthly maintenance fee will be charged. A $10.00 fee will be charged if telephone transfers, checks, and preauthorized debits exceed the six permitted each month. Rate Information: This account is an interest-bearing account. If the average daily balance is over $100.00, the interest rate paid on the entire balance in the account will be 0.05% with an annual percentage yield of 0.05%*. The interest rate and annual percentage yield may change AT ANY TIME. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (ie. checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: You must maintain a minimum balance of $ in the account each day to obtain the disclosed annual percentage yield. 6 *The annual percentage yield is accurate as of September 11, 2014 and is subject to change without notice.

11 Q. How will my North Akron Savings Bank Christmas Club Account be affected? A. Your North Akron Savings Bank Christmas Club Account will become an interest bearing Peoples Bank Christmas Club Account. Your last North Akron Savings Bank Christmas Club Account disbursement will be on October 18, After conversion, your Peoples Bank Christmas Club Account funds will disburse each year on the last Friday in September. Automatic payments may be set up. If a withdrawal is made prior to the scheduled funds disbursement date, accrued interest will be forfeited. Account Fees: Your Christmas Club account will remain the same until the payout date of October 18, At that time it will become the Peoples Bank Christmas Club account. There is no monthly fee on Christmas Club accounts. Automatic payments may be set up. If a withdrawal is made prior to the payout date, accrued interest will be forfeited, a $25 fee will be assessed and the account will be closed. Rate Information: This account is a variable interest rate product. Q. How will my North Akron Savings Bank Learn to Earn Savings Account be affected? A. Your North Akron Savings Bank Learn to Earn Savings Account will become a Young Peoples Bank Savings Account. This interest bearing account gives young people the opportunity to take a step towards adult responsibility to open and maintain a savings account. Q. How will my Money Market account be affected? A. If you have a North Akron Savings Bank Money Market Account, it will become a Peoples Freedom Money Market. This account is an interest-bearing personal account for customers who occasionally need to write checks for amounts greater than one would normally maintain in a regular checking account. Account Fees: There is no monthly fee if the average daily balance is at least $10, If the average daily balance falls below $10,000.00, a $10.00 monthly maintenance fee will be charged. A $10.00 fee will be charged if telephone transfers, checks, and preauthorized debits exceed the six permitted each month. If your average daily balance falls below $ and you receive ACH (Automated Clearing House) credits, you will be charged a fee of $0.50 per ACH item. Rate Information: This account is an interest-bearing account. If the average daily balance is less than $9,999.00, the interest rate paid on the entire balance in the account will be 0.07% with an annual percentage yield of 0.07%*. If the average daily balance is more than $10,000.00, but less than $49,999.00, the interest rate paid on the entire balance in the account will be 0.07% with an annual percentage yield of 0.07%*. If the average daily balance is more than $50,000.00, but less than $99,999.00, the interest rate paid on the entire balance in the account will be 0.16% with an annual percentage yield of 0.16%*. If the average daily balance is more than $100,000.00, but less than $249,999.00, the interest rate paid on the entire balance in the account will be 0.16% with an annual percentage yield of 0.16%*. If the average daily balance is more than $250,000.00, but less than $499,999.00, the interest rate paid on the entire balance in the account will be 0.16% with an annual percentage yield of 0.16%*. If the average daily balance is over $500,000.00, the interest rate paid on the entire balance in the account will be 0.16% with an annual percentage yield of 0.16%*. Balance Information: You must maintain a minimum balance of $ in the account each day to obtain the disclosed annual percentage yield. *The annual percentage yield is accurate as of September 11, 2014 and is subject to change without notice. 7

12 personal CDs & IRAs Q. Will my Certificate of Deposit (CD) or IRA account number change? A. No. Account numbers will remain the same. Q. Will the rate or terms on my CD change? A. Peoples Bank will honor all current CD rates and terms until maturity. Q. What will happen to my IRA? A. Individual Retirement Accounts (IRAs) consisting solely of FDIC-insured deposit products will be converted to a Peoples Bank IRA. Q. Will my CD(s) or IRA(s) automatically renew once they reach maturity? A. No. Upon maturity, your CD(s) and/or IRA(s) will not automatically renew. No interest will be earned on the principal or interest portion of the account balance once the CD matures. A maturity notice will be mailed 30 days prior to the maturity date. The interest method will remain as is. If you have a Peoples checking account, your monthly combined statement will list all of your CDs, interest payments and IRAs, if you so desire. It is necessary to contact a Peoples Bank associate in order to set up your accounts on a combined statement. 8

13 personal MORTGAGES, HOME EQUITY & INSTALLMENT LOANS Q. Will my loan account number change? A. No. Account numbers will remain the same. Q. Will my rates change? A. No. The rate you currently pay on your loan or mortgage will be honored by Peoples Bank and guaranteed through the terms of the agreement. After those terms have expired, you may apply for a similar Peoples Bank product. Q. Will there be a change in how I make my loan payments? A. Your loan payment amount, due date and payment process will remain the same; however, starting October 25, 2014, loan payments should be made payable to Peoples Bank. Q. I have my loan payment automatically deducted from my North Akron Savings Bank checking account. Will this service continue? A. Yes. The date the loan payment is deducted will remain the same, as will the terms and conditions of your loan. 9

14 personal BANKING CONVENIENCES CREDIT CARDS Q. Will I need to do anything with my current credit card? A. No. You can continue to use your current credit card and make payments the same way you have in the past. Q. Are credit cards available through Peoples Bank? A. Yes. Peoples Bank offers a variety of credit cards that can meet your needs and lifestyle, many with unique rewards and special benefits. It won t take long to find the one that s right for you. VISA Signature Bonus Rewards Card Get a 25% bonus on all points earned every month - automatically. There s nothing to sign up for and no caps or limits on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers. VISA Platinum Card Enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster. College Rewards VISA Card If you re a college student with limited credit history, here s a card that will potentially help you take a giant step into responsible credit use. The College Rewards VISA Card allows you to establish a credit history while earning valuable rewards. Secured VISA Card If you need to improve or re-establish your credit history, here s a great way to begin that process. With the Secured VISA Card, you establish a savings account that is pledged as security for your credit card account. You ll enjoy the convenience of credit including the option to carry a balance while earning interest on your savings account. ATMs Q. When can I begin using Peoples Bank ATMs surcharge-free? A. You can begin using your new Peoples Bank debit card at ATMs owned by Peoples Bank surcharge-free on October 24, Peoples Bank will charge a $1.00 fee for each ATM transaction at non-peoples Bank ATMs in addition to any surcharge fee the ATM owner may impose. ATM locations are noted in the directory included in this Welcome Guide and also online at peoplesbancorp.com. Surcharge-free access to the Allpoint network will be discontinued, however the Peoples Power Checking account offers no ATM fees nationwide Peoples Bank will waive its standard foreign ATM charge and reimburse up to $20 worth of foreign ATM surcharges monthly. Refunds limited to foreign ATM withdrawal fees only.

15 Q. Will ATM access be available during the conversion weekend? A. Yes. However, there may be minimal interruption at some ATMs. Visit for a list of all available Peoples Bank ATMs. SAFE DEPOSIT BOXES Q. What will happen to my safe deposit box? A. If you currently have a safe deposit box, you can continue to use the same box with the same key without any interruption of service. TELEPHONE BANKING Q. Does Peoples Bank offer Telephone Banking? A. Yes. You can access Peoples Bank Telephone Banking by calling With Telephone Banking, you can access account balance and transaction information, transfer funds, make loan payments, and place stop payments. This service is available 24 hours a day, seven days a week. You can begin accessing the system on October 27, WIRE TRANSFERS Q. Are wire transfers available at Peoples Bank? A. Yes. Wire Transfers from Peoples Bank allow you to quickly transfer funds between your Peoples Bank account(s) and accounts at other financial institutions. Wire Transfers can be used for domestic or international transactions in which no cash or check exchange is involved. Incoming Wire Transfers must be routed through the Peoples Bank routing number ( ). For more information on Wire Transfers, visit your local office or call PERSONAL ONLINE BANKING & BILL PAY Q. Does Peoples Bank offer Online Banking? A. Yes. Peoples Bank offers Online Banking for personal customers. With Online Banking, you can access account balance and transaction information, view check images, transfer funds, make loan payments, pay bills electronically, and more. Q. What changes can I expect during the conversion process from North Akron Savings Bank Online Banking to Peoples Bank Online Banking? A. If you are currently utilizing Online Banking and Bill Pay services through North Akron Savings Bank, you may continue using this service through October 17, After this date, previously scheduled payments will be made, but no new payments may be scheduled. On October 27, 2014, customers may access Online Banking and Bill Pay through Peoples Bank s website (peoplesbancorp.com). More information, including your new login credentials, will be provided prior to the conversion. Q. Is there a fee to use Online Banking and Bill Pay? A. No. There are no fees for personal Online Banking and Bill Pay services for Peoples Bank customers. MOBILE BANKING Q. Is Mobile Banking available? A. Yes. Peoples Mobile allows you to access your personal Peoples Bank accounts anytime from your smart phone via your Web browser, by text messaging, or with the Peoples Bank ipad, iphone or Android App 2. For more information on Peoples Mobile, visit peoplesbancorp.com, stop by your local office or call There is no cost to download the Peoples Bank app, but standard rates and fees may apply from your wireless carrier. ipad and iphone are service marks of Apple Inc. Android is a trademark of Google Inc. 11

16 personal BANKING PRODUCTS & SERVICES DEPOSIT ACCOUNTS Checking Savings Money Market Accounts CDs & IRAs Health Savings Accounts Student Accounts LOAN TYPES Personal Loans Auto Loans Recreational Loans Home Loans Home Equity Loans & Lines of Credit CONVENIENCES Credit Cards Debit Cards Prepaid Debit Cards & Gift Cards ATMs Night Deposit Safe Deposit Boxes Telephone Banking Online Banking & Bill Pay Mobile & Text Banking FinanceWorks TM E-Statements Direct Deposit Overdraft Protection Overdraft Privilege SM ID Theft Protection Purchase Rewards INVESTMENTS 1 Comprehensive Financial Planning Investment Services Retirement Planning Trust Services Estate Planning INSURANCE 2 Home & Auto Life & Health Long-Term Care 1 Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are Not Deposits, Not FDIC Insured or insured by any other government agency, Not Guaranteed by Peoples Bank, and are Subject to risk and may lose value Peoples Bank, Trust & Investment Services and Peoples Insurance Agency, LLC are independent of RJFS. 2 Insurance products are: NOT FDIC Insured NOT GUARANTEED by Peoples Bank NOT a deposit NOT insured by a federal government agency Subject to risk and may lose value. 12

17 business CHECKING ACCOUNTS Q. Will my account number change? A. No. Accounts numbers will remain the same. Q. If I write a check before the conversion and it doesn t clear until after the conversion, will it be paid? A. Yes. All North Akron Savings Bank checks will automatically be sent to Peoples Bank. If the funds are available in your checking account, the checks will be paid. Q. Will I need to order new checks? A. No. You can continue to use your North Akron Savings Bank checks as usual. At the time of conversion, North Akron Savings Bank checks will automatically be routed to Peoples Bank and processed through our system. If you would like to order new Peoples Bank checks, please see a Customer Service Representative after the conversion or call the Peoples Bank Business Support Center at , Option 6. If you choose to buy your checks, deposit slips or other supplies from a third party, please see a Customer Service Representative for proper specifications. Q. When I want to reorder checks or deposit slips, do I use the form that came with my North Akron Savings Bank checks? A. No. When new checks or deposit slips are ordered, it is imperative that you include your account number and the Peoples Bank routing number. If you have any questions, please see a Customer Service Representative after the conversion or call the Peoples Bank Business Support Center at , Option 6. If you choose to buy your checks, deposit slips or other supplies from a third party, please see a Customer Service Representative for proper specifications. 13

18 Q. I currently order computer checks or One-Write checks through a check ordering service. Can I continue to do this? A. Provided you use the Peoples Bank routing number and appropriate account information, you may continue to use these services. Please call the Peoples Bank Business Support Center at , Option 6, or stop by any Peoples Bank location to be sure the company you use has the correct information for Peoples Bank checks. Q. Will I need to change one-time or recurring incoming direct deposits or debit payments? A. No. Peoples Bank will process all direct deposit and ACH payments to your Peoples Bank account. For more information, please contact your local North Akron Savings Bank office or call the Peoples Bank Business Support Center at , Option 6. Q. Will I need a new debit card? A. Yes. Beginning the week of October 20, 2014, customers will start receiving their new Peoples Bank business debit cards. You will receive a new card with a new card number and your PIN in separate mailers. (Your PIN mailer may arrive before your card mailer). You can activate and begin using your new Peoples Bank debit card on October 24, After activation, you can change your PIN by using any Peoples Bank ATM or by calling Q. When can I begin using Peoples Bank ATMs surcharge-free? A. You can begin using your new Peoples Bank debit card at ATMs owned by Peoples Bank surcharge-free on October 24, Peoples Bank will charge a $1.00 fee for each ATM transaction at non-peoples Bank ATMs in addition to any surcharge fee the ATM owner may impose. ATM locations are noted in the directory included in this Welcome Guide and also online at peoplesbancorp.com. Surcharge-free access to the Allpoint network will be discontinued, however the Peoples Power Checking account offers no ATM fees nationwide. 1 Q. Will I receive my checking account statement at the same time of the month as in the past? A. Your last North Akron Savings Bank statement will be generated on October 24, Thereafter, you will receive your Peoples Bank statement at the same time of the month as you have in the past. Q. Will North Akron Savings Bank deposits be FDIC insured after the conversion? A. Yes. Peoples Bank is an FDIC-insured institution and deposits are insured up to the limits allowed by law. If you have Peoples Bank and North Akron Savings Bank deposits, which combined are over the FDIC insurance limits, your deposits will continue to be separately insured for six months after conversion. The grace period will allow you the opportunity to restructure as necessary. For more information, please contact your local North Akron Savings Bank office or call the Peoples Bank Business Support Center at , Option 6. Q. How will my North Akron Savings Bank Community Interest IOLTA change? A. Your North Akron Savings Bank Community Interest IOLTA will become a Peoples Bank IOLTA. However, all features of your account will remain the same. This interest bearing account is designed for attorneys and law firms. Interest is paid directly to the Legal Assistance Foundation. There are no monthly service fees on transactions in this account. Interest rates are variable. Q. What happens with a deposit item that is returned? A. All return deposit items will be charged back to the account in which it was originally deposited. The return item will be mailed to the account address at the time of the return, unless Peoples Bank is instructed otherwise Peoples Bank will waive its standard foreign ATM charge and reimburse up to $20 worth of foreign ATM surcharges monthly. Refunds limited to foreign ATM withdrawal fees only.

19 business CHECKING ACCOUNTS North Akron Savings Bank Business Checking will become Checking Benefits Peoples Basic Business Checking Peoples Total Business Checking Peoples Analyzed Checking Peoples Business Interest Checking 1 Peoples Community Checking Prerequisites to use this Account Free Business Online and Mobile Banking Free Debit Card Remote Deposit Capture Available Dedicated Business Support Center Free Paper, E-Statements, or Advanced E-Statements None None See a Business Banker None plus all modules Cost may be offset with balances Nonprofit Organization or Association Discounts for Debit Card Use None $0.25 per swipe None None None Transaction Fees* *Transactions include any credit, debit or deposited item. 200 Free transactions per month. Each additional transaction will be $ Free transactions per month. Each additional transaction will be $0.35. Credits $0.25 Debits $0.15 Deposited items drawn on Peoples Bank $0.07 Deposited items drawn on other banks $ Free transactions per month. Each additional transaction will be $ Free transactions per month. Each additional transaction will be $0.35. Monthly Fee Free Free when balance stays above $10,000, otherwise $ $10/Month Free when balance stays above $5,000, otherwise $ Free when balance stays above $100 or when you sign up for e-statements, otherwise $ Fees may reduce earnings. 15

20 business SAVINGS & MONEY MARKET ACCOUNTS Q. How will my North Akron Savings Bank Business Statement Savings Account be affected? A. If you have a North Akron Savings Bank Business Statement Savings Account, it will become a Peoples Business Savings Account. Account Fees: There is no monthly fee if the required daily balance is at least $ If the balance falls below $200.00, a $2.00 monthly maintenance fee will be charged. A $10.00 fee will be charged if telephone transfers, checks, and preauthorized debits exceed the six permitted each month. If this account is closed within 180 days of opening, then a $25.00 fee will be assessed. Rate Information: This account is an interest-bearing account. If the average daily balance is greater than $ and less than $24,999, the interest rate paid on the entire balance in the account will be 0.05% with an annual percentage yield of 0.05%*. If the average daily balance is greater than $25, and less than $99,999, the interest rate paid on the entire balance in the account will be 0.05% with an annual percentage yield of 0.05%*. If the average daily balance is greater than $100, and less than $499,999, the interest rate paid on the entire balance in the account will be 0.10% with an annual percentage yield of 0.10%*. If the average daily balance is greater than $500, and less than $999,999, the interest rate paid on the entire balance in the account will be 0.10% with an annual percentage yield of 0.10%*. If the average daily balance is greater than $1,000, and less than $4,999,999, the interest rate paid on the entire balance in the account will be 0.15% with an annual percentage yield of 0.15%*. If the average daily balance is greater than $5,000, the interest rate paid on the entire balance in the account will be 0.20% with an annual percentage yield of 0.20%*. The interest rate and annual percentage yield may change AT ANY TIME. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (ie. checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Balance Information: You must maintain a minimum balance of $ in the account each day to obtain the disclosed annual percentage yield. Q. Will my account number change? A. No. Account numbers will remain the same. Q. Will I receive my savings account statement at the same time of the month as in the past? A. Your last North Akron Savings Bank statement will be generated on October 24, Thereafter, you will receive your Peoples Bank statement on a quarterly basis. Q. Can I order deposit slips for my business savings? A. Yes. If you have any questions, please see a Customer Service Representative after the conversion or call , Option 6. If you choose to buy your checks, deposit slips or other supplies from a third party, please see a Customer Service Representative for proper specifications. Q. How will my North Akron Savings Bank Business Money Market Account be affected? A. If you have a North Akron Savings Bank Business Money Market Account, it will become a Peoples Business Freedom Money Market. This account is an interestbearing account for customers who occasionally need to write checks for amounts greater than one would normally maintain in a regular checking account. Account Fees: There is no monthly fee if the average daily balance is at least $10, If the average daily balance falls below $10,000.00, a $10.00 monthly maintenance fee will be charged. A $10.00 fee will be charged if telephone transfers, checks, and preauthorized debits exceed the six permitted each month. If your average daily balance falls below $ and you receive ACH (Automated Clearing House) credits, you will be charged a fee of $0.50 per ACH item. Rate Information: This account is an interest-bearing account. If the average daily balance is less than $9,999, the interest rate paid on the entire balance in the account will be 0.07% with an annual percentage yield of 0.07%*. If the average daily balance is more than $10,000, but less than $49,999, the interest rate paid on the entire balance in the account will be 0.07% with an annual percentage yield of 0.07%*. If the average daily balance is more than $50,000, but less than $99,999, the interest rate paid on the entire balance in the account will be 0.16% with an annual percentage yield of 0.16%*. If the average daily balance is more than $100,000, but less than $249,999, the interest rate paid on the entire balance in the account will be 0.16% with an annual percentage yield of 0.16%*. If the average daily balance is more than $250,000, but less than $499,999, the interest rate paid on the entire balance in the account will be 0.16% with an annual percentage yield of 0.16%*. If the average daily balance is over $500,000, the interest rate paid on the entire balance in the account will be 0.16% with an annual percentage yield of 0.16%*. 16 *The annual percentage yield is accurate as of September 11, 2014 and is subject to change without notice.

21 business CDs Q. Will the rate or terms on my CD change? A. Peoples Bank will honor all current CD rates and terms until maturity. Q. Will my CD(s) automatically renew once they reach maturity? A. No. Upon maturity, your CD(s) will not automatically renew. No interest will be earned on the principal or interest portion of the account balance once the CD matures. A maturity notice will be mailed 30 days prior to the maturity date. The interest method will remain as is. If you have a Peoples checking account, your monthly combined statement will list all of your CDs, and interest payments, if you so desire. It is necessary to contact a Peoples Bank associate in order to set up your accounts on a combined statement. 17

22 business LOANS Q. Will my account numbers change? A. No. Account numbers will remain the same. Q. Will there be a change in how I make my loan payments? A. Your loan payment amount, due date and payment process will remain the same; however, starting October 25, 2014, loan payments should be made payable to Peoples Bank. Q. I have a loan payment automatically deducted from my North Akron Savings Bank checking account. Will this service continue? A. Yes. The date the loan payment is deducted will remain the same, as will the terms and conditions of your loan. 18

23 business ACCOUNT CONVENIENCES CREDIT CARDS Q. Will I need to do anything with my current credit card? A. No. You can continue to use your current credit card and make payments the same way you have in the past. Q. What business credit cards are available through Peoples Bank? A. Peoples Bank offers a variety of business credit cards. Each business credit card offers the flexibility to separate business from personal expenses, access to free spending reports, and the purchasing power you need to manage your business. All with the security that comes with every VISA Business credit card. VISA Business Card Enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster. The Business Platinum Card has no annual fee and comes with award-winning expense management tools and added security benefits. VISA Business Bonus Rewards Card Get a 25% bonus on all points earned every month - automatically. There s nothing to sign up for and no caps or limits on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers. This card has no annual fee and comes with award-winning expense management tools and added security benefits. VISA Business Bonus Rewards PLUS Card Get a 50% bonus on all points earned every month - automatically. There s nothing to sign up for and no caps or limits on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers. Plus, this card comes with awardwinning expense management tools and added security benefits. 19

24 20 TELEPHONE BANKING Q. Does Peoples Bank offer Telephone Banking? A. Yes. You can access Peoples Bank Telephone Banking by calling With Telephone Banking, you can access account balance and transaction information, transfer funds, make loan payments, and place stop payments. This service is available 24 hours a day, seven days a week. You can begin accessing the system on October 27, MOBILE BANKING Q. Is Mobile Banking available? A. Yes. Peoples Mobile allows you to access your Peoples Bank business accounts anytime from your smart phone via your Web browser. For more information on Peoples Mobile, visit your local office or call BUSINESS ONLINE BANKING & BILL PAY Q. Does Peoples Bank offer Online Banking and Bill Pay? A. Yes. Peoples Bank offers Online Banking for business customers. With Online Banking, you can access account balance and transaction information, view check images, transfer funds, make loan payments, pay bills electronically, and more. Q. What changes can I expect during the conversion process from North Akron Savings Bank Online Banking to Peoples Business Online Banking and Bill Pay? A. If you are currently utilizing Online Banking and Bill Pay services through North Akron Savings Bank, you may continue using this service through October 17, After this date, customers will no longer be able to access North Akron Savings Bank Business Online Banking or Bill Pay services. Please note that payments scheduled prior to the merger for dates after October 24, 2014 will also not be made. On October 27, 2014, customers will need to enroll in Peoples Business Online Banking and Bill Pay through Peoples Bank s website (peoplesbancorp.com). Important: You will need to re-enter all bill payees as your bill pay account history and bill payee information will not be available in the new system. For your convenience, we recommend printing this information from your North Akron Savings Bank Business Online Banking and Bill Pay prior to October 17, LOCKBOX SERVICES Q. Does Peoples Bank offer Lockbox Services? A. Yes. Various lockbox services are available to help your business simplify the accounts receivable process, maximize cash for investment, improve cash flow, and get faster access to your funds. REMOTE DEPOSIT CAPTURE Q. Does Peoples Bank offer Remote Deposit Capture? A. Yes. Peoples Bank offers Remote Deposit Capture, which allows you to scan checks and then electronically submit check deposits to Peoples Bank for posting and clearing. WIRE TRANSFERS Q. Are wire transfers available at Peoples Bank? A. Yes. Wire Transfers from Peoples Bank allow you to quickly transfer funds between your Peoples Bank business account(s) and accounts at other financial institutions. Wire Transfers can be used for domestic or international transactions in which no cash or check exchange is involved. Incoming Wire Transfers must be routed through the Peoples Bank routing number ( ). For more information on Wire Transfers, contact your Relationship Banker or call Business Support at , Option 6. MERCHANT SERVICES Q. Does Peoples Bank offer Merchant Services? A. Yes. Peoples Bank partners with industry leader First Data to offer a wide array of merchant solutions to our customers.

25 business BANKING PRODUCTS & SERVICES DEPOSIT ACCOUNTS Business Checking Business Savings & Money Market Accounts CDs LOAN TYPES Term Loans Commercial Mortgage & Real Estate Loans Lines of Credit Small Business Loans TREASURY MANAGEMENT Automated Clearing House Sweep Accounts Zero Balance Accounts Lockbox Services Remote Deposit Capture Positive Pay CARD SERVICES Business Credit Cards Business Debit Cards Merchant Services Prepaid Debit Cards COMMERCIAL INSURANCE 2 General Liability Property Commercial Auto EMPLOYEE BENEFITS Group Health & Life Employee Retirement Plans Employee Pension Plans Workplace Banking INVESTMENTS 1 Investment Services Wealth Management Trust Services CONVENIENCES Dedicated Business Support Center Wire Transfers Telephone Banking Business Online & Mobile Banking Business Online Bill Pay Advanced E-Statements International Banking 1 Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, an independent broker/dealer, and are Not Deposits, Not FDIC Insured or insured by any other government agency, Not Guaranteed by Peoples Bank, and are Subject to risk and may lose value Peoples Bank, Trust & Investment Services and Peoples Insurance Agency, LLC are independent of RJFS. 2 Insurance products are: NOT FDIC Insured NOT GUARANTEED by Peoples Bank NOT a deposit NOT insured by a federal government agency Subject to risk and may lose value. 21

26 22 Photo courtesy of Karin Warner Photography account DETAILS & DISCLOSURES

27 ELECTRONIC FUND TRANFERS CONSUMER S LIABILITY. You will tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and/or code and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $ LIMITATION OF LIABILITY FOR UNAUTHORIZED MASTER CARD POINT OF SALE TRANSACTIONS USING A PEOPLES BANK DEBIT CARD. You will not be liable for any unauthorized transactions using your Peoples Bank Debit Card, when used for point-of-sale transactions if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, (ii) you have not reported to us two or more incidents of unauthorized use within the prior 12-month period, and (iii) your account is in good standing. If any of these conditions has not been met, your liability is the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. Unauthorized use means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money that you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). CONTACT IN EVENT OF UNAUTHORIZED TRANSFER. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, you will call or write PEOPLES BANK NATIONAL ASSOCIATION, PO Box 738, Marietta, OH You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. BUSINESS DAYS. For purposes of these disclosures, our business days are Monday, Tuesday, Wednesday, Thursday, and Friday. Holidays are not included. TYPES OF TRANSFERS. You may authorize certain direct deposits to your checking or savings account. You may authorize certain bills and other payments to be deducted from your checking or savings accounts. A merchant may convert your check in payment for merchandise or services into an electronic funds transfer from your account. You may use your card and/or code to: Make deposits to your checking and savings accounts. Pay bills directly from your checking account in the amounts and on the days you request. Pay for purchases at places that have agreed to accept the card and/or code. Transfer funds between your checking and savings accounts. Withdraw cash from your checking and savings accounts. Pay your bills with merchants you have selected on our Bill Payment service. Some of these services may not be available at all terminals. ELECTRONIC CHECK CONVERSION. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases pay bills LIMITATIONS ON DOLLAR AMOUNTS OF TRANSFERS. You can buy up to $ (USING AN HSA CARD) OR $ (USING A DEBIT CARD) worth of goods or services each day by using the card and/or code in our point-of-sale transfer service. You can withdraw up to $ (USING AN ATM OR HSA CARD) OR $ (USING A DEBIT CARD) from our terminals using your card and/or code each day. FEES. 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