Insight into Your Checking and Savings Accounts

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1 Insight into Your Checking and Savings s Not everyone uses checking and savings accounts the same way. That is why we offer you a variety of options designed to meet your individual financial management style. We are happy to provide this overview of consumer checking and savings accounts. These are offered exclusively at Town and Country Bank and Peoples Prosperity Bank. If you have questions about these products, other bank services or financial concerns or thoughts, please don t hesitate to talk with your banker or contact our Solution Center at P.O. Box 13255, Springfield, IL townandcountrybank.com ourprosperity.com Springfield Decatur Mt. Zion Forsyth Quincy Lincoln Buffalo *Peoples Prosperity Bank, a division of Town and Country Bank, is not affiliated with Town and Country Bank of Quincy.

2 Custom Checking Minimum Deposit Needed to Open $50 Monthly Fee $7.48 Requirements to Waive Monthly Fee You may buy down the fee by choosing at least 1 of the following account features: Direct Deposit minimum of one deposit to the account per month Visa Check Card minimum of one signature transaction per month Electronic Statements Each feature is valued at $3.74. The maximum maintenance fee credit is $7.48. Fees for other banking services are detailed on our Fee Schedule. Opening and Usage ATM Fees Non-TCB/ Peoples Prosperity Bank Machines Interest Rate 0% This is not an interest bearing account. ATM Fees No fee for using our bank s ATMs or other ATM locations we disclose to you. 99 for 0 4 withdrawals per month per use for 5 or more withdrawals per month This does not include fees charged by other financial institutions for the use of their ATM. Non-Sufficient Funds (NSF) Fee $29.73 per item Returned Check Fee $29.73 per declined check written to your account Stop Payment Fee $9.87 $29.73 per item to stop payment for up to 6 months per item on NSF check Closing Fee $49.96 if account closed within 180 days of opening Other Service Fees Please consult our Fee Schedule for a list of additional service fees. Option for Consumers with Debit cards* Option A: (Default) No Service If you choose not to opt in to any kind of overdraft service, transactions that would cause an overdraft will be declined at no cost to you. Option B: Transfer Fee per overdraft covered by transfer from linked savings account or line of credit Option C: Penalty Penalty Fee $29.73 per overdraft covered by bank advance Maximum Number of Penalty Fees per Day Extended Penalty Fee 4 *More complete information is available at our branches Processing Policies Posting Order The order in which withdrawals and deposits are processed **Smallest items are processed first for the day on which they are processed Deposit Hold Policy When funds deposited to your account are available Note: A business day is a non-holiday weekday. The end of a business day is at the close of business of the branch. Deposits are posted before withdrawals Online transfers** Bill pay ACH items** POS transactions** Phone transfers** ATM withdrawal transactions** VISA check transactions** ACH transactions** Wire transfers** Checks (in numerical order for the day on which they are processed) Cash deposit with teller: same business day Cash deposit at ATM: same business day Check deposit with teller: 1 business day Check deposit at ATM: 1 business day Direct deposit: same business day Wire transfer: same business day If something causes a longer hold on a deposit, the first $200 of that deposit will be made available either the same business day of the deposit or the next business day. Talk with your banker about other hold scenarios. Funds from non-bank checks may take an extra business day to become available.

3 Custom Checking I Minimum Deposit Needed to Open $50 Minimum Balance Requirement $2,500 A minimum service fee of $9.98 will be charged if daily balance falls below $2,500. Interest Rate % See current rate sheet. ATM Fees No fee for using our bank s ATMs or other ATM locations we disclose to you. Opening and Usage ATM Fees Non-TCB/ Peoples Prosperity Bank Machines 99 for 0 4 withdrawals per month per use for 5 or more withdrawals per month This does not include fees charged by other financial institutions for the use of their ATM. Non-Sufficient Funds (NSF) Fee $29.73 per item Returned Check Fee $29.73 per declined check written to your account Stop Payment Fee $9.87 $29.73 per item to stop payment for up to 6 months per item on NSF check Closing Fee $49.96 if account closed within 180 days of opening Other Service Fees Please consult our Fee Schedule for a list of additional service fees. Option for Consumers with Debit cards* Option A: (Default) No Service If you choose not to opt in to any kind of overdraft service, transactions that would cause an overdraft will be declined at no cost to you. Option B: Transfer Fee per overdraft covered by transfer from linked savings account or line of credit Option C: Penalty Penalty Fee $29.73 per overdraft covered by bank advance Maximum Number of Penalty Fees per Day Extended Penalty Fee 4 *More complete information is available at our branches Processing Policies Posting Order The order in which withdrawals and deposits are processed **Smallest items are processed first for the day on which they are processed Deposit Hold Policy When funds deposited to your account are available Note: A business day is a non-holiday weekday. The end of a business day is at the close of business of the branch. Deposits are posted before withdrawals Online transfers** Bill pay ACH items** POS transactions** Phone transfers** ATM withdrawal transactions** VISA check transactions** ACH transactions** Wire transfers** Checks (in numerical order for the day on which they are processed) Cash deposit with teller: same business day Cash deposit at ATM: same business day Check deposit with teller: 1 business day Check deposit at ATM: 1 business day Direct deposit: same business day Wire transfer: same business day If something causes a longer hold on a deposit, the first $200 of that deposit will be made available either the same business day of the deposit or the next business day. Talk with your banker about other hold scenarios. Funds from non-bank checks may take an extra business day to become available.

4 Basic Checking only available for individuals who are 65 years or better. Minimum Deposit Needed to Open $50 Monthly Fee Interest Rate 0% This is not an interest bearing account. ATM Fees No fee for using our bank s ATMs or other ATM locations we disclose to you. Opening and Usage ATM Fees Non-TCB/ Peoples Prosperity Bank Machines 99 Non-Sufficient Funds (NSF) Fee $29.73 per item for 0 4 withdrawals per month per use for 5 or more withdrawals per month This does not include fees charged by other financial institutions for the use of their ATM. Returned Check Fee $29.73 per declined check written to your account Stop Payment Fee $9.87 $29.73 per item to stop payment for up to 6 months per item on NSF check Closing Fee $49.96 if account closed within 180 days of opening Other Service Fees Please consult our Fee Schedule for a list of additional service fees. Option for Consumers with Debit cards* Option A: (Default) No Service If you choose not to opt in to any kind of overdraft service, transactions that would cause an overdraft will be declined at no cost to you. Option B: Transfer Fee per overdraft covered by transfer from linked savings account or line of credit Option C: Penalty Penalty Fee $29.73 per overdraft covered by bank advance Maximum Number of Penalty Fees per Day Extended Penalty Fee 4 *More complete information is available at our branches Processing Policies Posting Order The order in which withdrawals and deposits are processed **Smallest items are processed first for the day on which they are processed Deposit Hold Policy When funds deposited to your account are available Note: A business day is a non-holiday weekday. The end of a business day is at the close of business of the branch. Deposits are posted before withdrawals Online transfers** Bill pay ACH items** POS transactions** VISA check transactions** ACH transactions** Wire transfers** Checks (in numerical order for the day on which they are processed) Cash deposit with teller: same business day Cash deposit at ATM: same business day Check deposit with teller: 1 business day Check deposit at ATM: 1 business day Direct deposit: same business day Wire transfer: same business day If something causes a longer hold on a deposit, the first $200 of that deposit will be made available either the same business day of the deposit or the next business day. Talk with your banker about other hold scenarios. Funds from non-bank checks may take an extra business day to become available.

5 OpportuNITY Checking * Minimum Deposit Needed to Open $50 Monthly Fee $20 Interest Rate 0% This is not an interest bearing account. ATM Fees No fee for using our bank s ATMs or other ATM locations we disclose to you. Opening and Usage ATM Fees Non-TCB/ Peoples Prosperity Bank Machines 99 Non-Sufficient Funds (NSF) Fee $29.73 per item for 0 4 withdrawals per month per use for 5 or more withdrawals per month This does not include fees charged by other financial institutions for the use of their ATM. Returned Check Fee $29.73 per declined check written to your account Stop Payment Fee $9.87 $29.73 per item to stop payment for up to 6 months per item on NSF check Closing Fee $49.96 if account closed within 180 days of opening Other Service Fees Please consult our Fee Schedule for a list of additional service fees. Processing Policies Posting Order The order in which withdrawals and deposits are processed **Smallest items are processed first for the day on which they are processed Deposit Hold Policy When funds deposited to your account are available Note: A business day is a non-holiday weekday. The end of a business day is at the close of business of the branch. Deposits are posted before withdrawals Online transfers** Bill pay ACH items** POS transactions** Phone transfers** ATM withdrawal transactions** VISA check transactions** ACH transactions** Wire transfers** Checks (in numerical order for the day on which they are processed) Cash deposit with teller: same business day Cash deposit at ATM: same business day Check deposit with teller: 1 business day Check deposit at ATM: 1 business day Direct deposit: same business day Wire transfer: same business day If something causes a longer hold on a deposit, the first $200 of that deposit will be made available either the same business day of the deposit or the next business day. Talk with your banker about other hold scenarios. Funds from non-bank checks may take an extra business day to become available. *A debit card is available for this account, however Solutions are not available.

6 Savings ACCOuNTS Minimum Opening Deposit: $50 Statement Savings Minimum Daily Balance: $.01 each day to obtain the disclosed annual percentage yield Monthly Maintenance Fee: $3 if your balance falls below $100 any day during the statement cycle Interest-bearing Free ATM Card Free Online Banking Debit transactions in excess of 4 per calendar month or statement cycle will be charged a per item fee of $1. Minimum Opening Deposit: $10,000 High Yield Savings Minimum Daily Balance: $10,000 each day to obtain the disclosed annual percentage yield Monthly Maintenance Fee: $14.97 if your account balance falls below $10,000 any day during the statement cycle Tiered Interest Scale Free ATM Card Free Online Banking Debit transactions in excess of 6 per calendar month or statement cycle will be charged a per item fee of $4.99. Minimum Opening Deposit: $2,500 Minimum Daily Balance: $2,500 each day to obtain the disclosed annual percentage yield Money Market Monthly Maintenance Fee: $8 if your balance falls below $2,500 any day during the statement cycle Tiered Interest Scale Free ATM Card Free Online Banking Interest bearing account. Your interest rate and annual percentage yield may change. Interest will be credited to your account monthly. Debit transactions in excess of 6 per calendar month or statement cycle will be charged a per item fee of $8. A Health Savings (HSA) is a tax-favored savings account created for the purpose of paying qualified medical expenses. An HSA works in conjunction with high deductible health insurance as defined by the IRS. Minimum Opening Deposit: Health Savings Minimum Daily Balance: $.01 in the account each day to obtain the disclosed annual percentage yield Monthly Maintenance Fee: None Tiered Interest Scale Free Debit Card Free Online Banking Interest bearing account. Your interest rate and annual percentage yield may change. Interest will be credited to your account monthly.

7 2012 Consumer Fee Schedule Effective May 18, 2012 ATM/Check Card Replacement... $6 Expedited delivery $35 Close Within 180 days of opening... $49.96 Coin Counting For personal account customers....no Charge Collection Coupon items per envelope.... $5 Foreign Checks/Drafts per item.... $20 Copies Per page Dormant Per month after one year... $5 Fax First page... $5 Each additional page...$1 Gift Card $10 $ $3 $100 $$ $4 $300-$ $5 Legal Document Processing Citations, garnishments, levies, other court orders... $99 Money Orders... $3 Notary...No Charge (For bank customers only) Official Checks per item... $5 Online Banking...No Charge Bill Pay for personal accounts...no Charge Charges (Based on available funds) Privilege fee per item... $29.73 Returned NSF fee per item... $29.73 Printout (checking account)... $5 Reconcile Bank Statement Per one hour increment... $20 Research Per hour... $49.99 Per copy... $2 Returned Statement Per month.... $5 Savings Link Per transfer day...no Charge Signature Guarantee... $25 Statements available on CD Monthly.... $9.98 One time request of up to 12 monthly statements.... $37.97 Stop Payment Per item... $9.87 On NSF Check... $29.73 Telephone Banking Line....No Charge ( automated line) Telephone Transfers Completed by customer service... $5 Traveler Cheques... No Charge Wire Transfers Incoming....$15 Outgoing.... $22 International... $50 Safe Deposit Boxes Annual Fees 3x5 box.... $20 4x5 box, 5x5 box... $25 6x5 box, 3x10 box... $30 4x10 box... $40 5x10 box... $50 10x10 box...$100 Drilling a lock...$125 Late charge (30+ days late)... $19.97 Bold items denote changes.

8 OVERDRAFT SOLUTIONS PREVENT PROTECT PAY AVAILABLE SOLUTIONS STATEMENT BALANCING, ALERTS, MOBILE BANKING ACCOUNT LINK CONVENIENCE LINE OVERDRAFT PRIVILEGE (ODP) BASIC OVERDRAFT PRIVILEGE (ODP) PLUS DETAILS These free services allow you to keep track of your balance to ensure that you re on top of what is going on with your account. link allows you to set-up an automated transfer between your checking account and other qualifying accounts to cover any unexpected mishaps. Available to credit-qualified customers. Advances when checking account transactions exceed balance in account. Convenient repayment terms. For qualified customers. We will pay overdrafts ranging from $800 to $2,000, depending on account type. Gives peace of mind so you don t have to worry about your checks, ACH items, automatic bill payments and recurring debit card transactions. In addition to services offered by ODP Basic, our ODP Plus program will pay ATM transactions and Everyday Check Card transactions. FEES None No fee for automated transfers. $29.73 annual fee (consumer) No fee unless service is used. No fee unless service is used. See account terms for transfer limitations. Limitations do not apply to checking-to-checking account transfers. $49.93 annual fee (business) % annual percentage rate (APR). No fee if account is overdrawn by $5.00 or less. $29.73 for each item paid or returned. Limited to 4 fees per day. No fee if account is overdrawn by $5.00 or less. $29.73 for each item paid or returned. Limited to 4 fees per day. HOW DO YOU GET IT? Simply sign-up for ebanking at townandcountrybank.com or ourprosperity.com. Then customize your balance alerts or sign-up for estatements. Available to all customers. Stop by a branch to set up. Subject to credit approval. Apply in branch. Feature is enabled automatically at bank s discretion. See Privilege Program description for more complete information. Use our Election form found online at townandcountrybank.com or ourprosperity.com, under Personal Banking and Checking. Call Visit your branch and our staff will be happy to help you. You may opt-out at any time.

9 Privilege Program Description It is the policy of Town and Country Bank to comply with all applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards. The Deposit Agreement and Disclosure provided to you at the time you opened your account with us controls the duties, obligations and rights of the Depositor, the Authorized Signatories and Town and Country Bank with regard to your checking account. The Deposit Agreement (and all amendments thereto) and its terms shall control any possible conflict, if any, between any provision of this Discretionary Privilege Service and the Deposit Agreement and Disclosure. A copy of the Deposit Agreement and Disclosure is available to you on request from your Town and Country Bank banker. Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to the limit of your Privilege and the amount of the overdraft fee. Town and Country Bank is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. Any discretionary payment by Town and Country Bank of an overdraft check (or items, such as ATM withdrawals) does not obligate Town and Country Bank to pay any other overdraft check (or item), or to provide prior notice of its decision to refuse to pay such check (or item). Pursuant to Town and Country Bank s commitment to always provide you with the best level of service, now and in the future, if your consumer account (primarily used for personal/household purposes) has been open at least thirty (30) days, or if your commercial account has been open at least sixty (60) days, and thereafter you maintain your account in good standing, which includes at least: Bringing your account to a positive balance within every thirty (30) day period for a minimum period of 24 hours, Not being in default on any loan or other obligation to Town and Country Bank, Not being subject to any legal or administrative order or levy, and Making regular deposits. Town and Country Bank will have the discretion to pay overdrafts within the overdraft privilege limits, but payment by Town and Country Bank is a discretionary courtesy and not a right of the customer or an obligation of Town and Country Bank. This privilege for consumer checking accounts will generally be limited to a maximum overdraft (negative) balance ranging from $800 to $2,000. This privilege for commercial accounts will generally be limited to a maximum of $800 overdraft (negative) balance. Of course, any and all fees and charges, including without limitation the non-sufficient funds fees (as set forth in our fee schedules and deposit account agreement and disclosure), will be included as part of this maximum amount. It may be possible that your account will become overdrawn in excess of the Privilege amount as a result of the assessment of a fee. The total of the discretionary Privilege (negative) balance, including any and all fees and charges, including all nonsufficient funds/overdraft fees is due and payable upon demand, and Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Deposit Agreement and Disclosure with a maximum repayment period of 30 days. Our standard Fee of $29.73 will be imposed for overdrafts created by checks, ACH, ATM withdrawals, everyday debit card transactions, in-person withdrawals, or by other electronic means. Transactions may not be processed in the order they occurred, and the order in which transactions are received and processed may impact the total amount of fees incurred. While Town and Country Bank will have the discretion to pay overdrafts on accounts in good standing (as described on the reverse side), any such payment is a discretionary courtesy, and not a right of the customer or an obligation of Town and Country Bank and Town and Country Bank in its sole and absolute discretion, can cease paying overdrafts at any time without prior notice of reason or cause. For our consumer customers, Town and Country Bank will not pay overdrafts for ATM or everyday debit card transactions after July 1, 2010 unless Town and Country Bank has provided you with the notice required by section (b) of Regulation E and you have opted in to the payment of these overdrafts. In order to avoid overdrafts due to ATM and everyday debit card transactions, Town and Country Bank will place a hold on your account for any ATM or everyday debit card transaction authorized until the transaction settles. ATM and everyday debit card transactions usually settle within two business days after the transaction is authorized. The amount of the hold will be for the amount authorized, or as permitted under applicable payment network rules. Holds on authorized ATM and everyday debit card transactions will be removed prior to settlement where required by applicable payment network rules. In addition, for both consumer and commercial accounts, you may opt out of the Privilege services for check, ACH and debit card bill payment transactions at any time by contacting one of our Services Representatives. Truth in Savings Disclosures Checking CUSTOM checking $50 to open this account. Rate information This is not an interest bearing account. Minimum balance to avoid imposition of fees You are not required to maintain a minimum balance on this account. Fees There is a monthly maintenance fee of $7.48. You may buy down the fee by choosing at least 1 of the following account features: Direct Deposit minimum of one deposit to the account per month Visa Check Card minimum of one signature transaction per month Electronic Statements Each feature is valued at $3.74. The maximum maintenance fee credit is $7.48. Fees for other banking services are detailed on our Fee Schedule. custom I checking $50 to open this account. Rate information This is an interest bearing account. Your interest rate and annual percentage yield may change. Frequency of rate changes We may change the interest rate on your account at any time. Determination of rate At our discretion, we may change the interest rate on your account. Compounding and crediting frequency Interest will be compounded every month. Interest will be credited to your account every month. Effect of closing an account If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to avoid imposition of fees A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $2,500 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees A minimum balance fee of $9.98 will be assessed on your account if your daily balance falls below $2,500 any day during the statement cycle. Fees for other banking services are detailed on our Fee Schedule. Basic checking $50 to open this account. Rate information This is not an interest bearing account. Minimum balance to avoid imposition of fees You are not required to maintain a minimum balance on this account. Fees There are no monthly maintenance fees associated with this account. Fees for other banking services are detailed on our Fee Schedule. Opportunity checking $50 to open this account. Rate information This is not an interest bearing account. Minimum balance to avoid imposition of fees You are not required to maintain a minimum balance on this account. Fees There is a monthly maintenance fee of $20. Fees or other banking services are detailed on our Fee Schedule. Savings STATEMENT SAvings $50 to open this account. Rate information This is an interest bearing account. Your interest rate and annual percentage yield may change. Frequency of rate changes We may change the interest rate on your account at any time. Determination of rate At our discretion, we may change the interest rate on your account. Compounding and crediting frequency Interest will be compounded every quarter. Interest will be credited to your account every quarter. Effect of closing an account If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to avoid imposition of fees A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $100 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed You must maintain a minimum balance of $100 in the account each day to obtain the disclosed annual percentage yield.

10 Daily balance computation method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations Transfers from a Savings to another account or to third parties by preauthorized, automatic, telephone, or computer transfer, or by check, draft, or similar order to third parties are limited to 6 per month. Fees A minimum balance fee of $3 will be assessed on your account if your daily balance falls below $100 any day during the statement cycle. A per item fee of $1 will be charged for each debit transaction in excess of 4 per calendar month or statement cycle. Fees for other banking services are detailed on our Fee Schedule. HEAlth SAvings Minimum balance to open the account There is no minimum balance to open this account. Rate information This is an interest bearing account. Your interest rate and annual percentage yield may change. Frequency of rate changes We may change the interest rate on your account at any time. Determination of rate At our discretion, we may change the interest rate on your account. Compounding and crediting frequency Interest will be compounded every month. Interest will be credited to your account every month. Effect of closing an account If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to avoid imposition of fees You are not required to maintain a minimum balance on this account. Minimum balance to obtain the annual percentage yield disclosed You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). High Yield savings $10,000 to open this account. Rate information This is an interest bearing account. Your interest rate and annual percentage yield may change. Frequency of rate changes We may change the interest rate on your account at any time. Determination of rate At our discretion, we may change the interest rate on your account. Compounding and crediting frequency Your interest will be compounded and credited to your account every month. Effect of closing an account If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to avoid imposition of fees A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $10,000 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed You must maintain a minimum balance of $10,000 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations Transfers from a High Yield Savings to another account or to third parties by preauthorized, automatic, telephone, or computer transfer, or by check, draft, or similar order to third parties are limited to six per month. Fees A minimum balance fee of $14.97 will be assessed on your account if your daily balance falls below $10,000 any day during the statement cycle. A per item fee of $4.99 will be charged for each debit transaction in excess of 6 per calendar month or statement cycle. Fees for other banking services are detailed on our Fee Schedule. Money Market $2,500 to open this account. Rate information This is an interest bearing account. Your interest rate and annual percentage yield may change. Frequency of rate changes We may change the interest rate on your account at any time. Determination of rate At our discretion, we may change the interest rate on your account. Compounding and crediting frequency Your interest will be compounded and credited to your account every month. Effect of closing an account If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to avoid imposition of fees A minimum balance fee will be imposed every statement cycle if the balance in the account falls below $2,500 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed You must maintain a minimum balance of $2,500 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations Transfers from a Money Market to another account or to third parties by preauthorized, automatic, telephone, or computer transfer, or by check, draft, or similar order to third parties are limited to six per month. Fees A minimum balance fee of $8 will be assessed on your account if your daily balance falls below $2,500 any day during the statement cycle. A per item fee of $8 will be charged for each debit transaction in excess of 6 per calendar month or statement cycle. Fees for other banking services are detailed on our Fee Schedule. COMMon FEATURES ATM transactions At TCB machines No Charge At non-tcb machines 0 4 withdrawals per month No Charge 5 or more withdrawals per month $.99 per use This does not include surcharges charged by other financial institutions for the use of their ATM. Check printing Fee depends on style and quantity of checks ordered. s The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, debit card transaction, preauthorized automatic debit, telephone-initiated transfer, or other electronic means. Please refer to our separate Rate Sheet for current interest rate and annual percentage yield information and to our separate Fee Schedule for additional information about charges. We may require not less than 7 days notice in writing before each withdrawal from an interest bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal July 2012

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