Certificates of Deposit

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1 Interest Rates Accurate as of: 5/5/2016 Certificates of Deposit Term Relationship Interest Rate* APY Non-Relationship Interest Rate APY Compounding 90 Days 0.05% 0.05% 0.05% 0.05% At Maturity 6 Months 0.20% 0.20% 0.10% 0.10% Quarterly 7 Months 0.20% 0.20% 0.10% 0.10% Quarterly 9 Months 0.20% 0.20% 0.10% 0.10% Quarterly 10 Months 0.20% 0.20% 0.10% 0.10% Quarterly 11 Months 0.20% 0.20% 0.10% 0.10% Quarterly 12 Months 0.25% 0.25% 0.15% 0.15% Quarterly 15 Months 0.25% 0.25% 0.15% 0.15% Quarterly 18 Months 0.40% 0.40% 0.20% 0.20% Quarterly 23 Months 0.40% 0.40% 0.20% 0.20% Quarterly 24 Months 0.45% 0.45% 0.20% 0.20% Quarterly 30 Months 0.55% 0.55% 0.30% 0.30% Quarterly 33 Months 0.55% 0.55% 0.30% 0.30% Quarterly 36 Months 1.15% 1.15% 0.65% 0.65% Quarterly 36 Months-Top Rate 1.15% 1.15% 0.65% 0.65% Quarterly 48 Months 1.49% 1.50% 1.00% 1.00% Quarterly 60 Months 1.64% 1.65% 1.15% 1.15% Quarterly 9 Months Investment Saver** 0.20% 0.20% N/A N/A Quarterly 18 Months Investment Saver** 0.40% 0.40% N/A N/A Quarterly 23 Months Investment Saver** 0.45% 0.45% N/A N/A Quarterly Jumbo CD Inquire for Rate and APY Minimum Balance: CDs $1,000 / IRAs $500 **Investment Saver Minimum CD Balance $100 -Investment Saver requires a monthly automatic deposit from an Old Fort Bank account. *Relationship clients must have a checking, savings or loan account with OFB. Individual Retirement Account CDs are offered at the above rates with a minimum term of 15 months; Minimum opening deposit of $500.00, Jumbo IRA minimum opening deposit of $100,000.00; Interest paid quarterly. The Top Rate and the Investment Saver CDs are not available for IRA accounts. Certificates of Deposit / IRA The annual percentage yield (APY) assumes that the interest remains on deposit until maturity. A penalty will be imposed for early withdrawal. A withdrawal of interest will reduce earnings. Fees would reduce earnings on an account. Interest rates are subject to change.

2 Personal Accounts Interest Rates Accurate as of: 5/5/2016 Minimum Opening Balance Rate APY Journey $ & Over 0.05% 0.05% Super Now $ % 0.00% & over 0.05% 0.05% Choice $ & Over 0.05% 0.05% Regular Savings $ % 0.00% & Over 0.05% 0.05% IRA-Variable $ & Over 0.05% 0.05% Health Savings Account $ , % 0.05% 2,000-9, % 0.10% 10, & Over 0.15% 0.15% Preferred MM $ , % 0.05% 10, , % 0.15% 50, & Over 0.25% 0.25% The Fort MM $ , % 0.05% 10, , % 0.05% 50, , % 0.05% 100, , % 0.10% 250, & Over 0.10% 0.10% Business Sweep 0.01 & Over 0.15% 0.15% All Personal Accounts are variable interest rates. Interest rates may change after account opening. Bettsville Old Fort Clyde Sugarcreek Twp Findlay Tiffin Downtown Fostoria Westgate Fremont Toll-Free

3 DISCLOSURES Certificate of Deposit Disclosure: CD Interest rates are subject to change. The annual percentage yield assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Early withdrawal penalties (a penalty may be imposed for withdrawal before maturity) If your account has an original term of 90 days or less: The fee we may impose will equal one months interest on the amount withdrawn, subject to penalty. If your account has an original term of 91 days to twelve months: The fees we may impose will equal three months interest on the amount withdrawn, subject to penalty. If your account has an original maturity of over 12 to 24 months: The fee we may impose will equal six months interest on the amount withdrawn, subject to penalty. If your account has an original maturity of 24 months or greater: The fee we may impose will equal 12 months interest on the amount withdrawn, subject to penalty. In certain circumstances, such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan. Personal Accounts Disclosures Savings Account Disclosure: Interest Rate Information - The interest rates and annual percentage yields may change at any time. Compounding and Crediting Frequency Interest will be compounded every 3 months. Interest will be credited back to account every 3 months. Effect of Closing an Account If you close your account before interest is credited; you will not receive Daily Balance Computation Method We use the daily balance method to calculate the interest on Accrual of Interest on Noncash Deposits Interest will begin to accrue on the business day you 1

4 Minimum Balance to Open The minimum balance required to open a Regular Savings account is $0.00. The minimum balance required to open an IRA Variable Savings account is $ Minimum Balance to Obtain the Disclosed Annual Percentage Yield: You must maintain a minimum daily balance of $ in your Regular Savings account each day to obtain the disclosed annual percentage yield. You must maintain a minimum daily balance of $0.01 in your IRA Variable Savings account each day to obtain the disclosed annual percentage yield. Deposit Limitations You may make an unlimited number of deposits into your account. Fees and Charges To avoid an imposition of the service fee on the Regular Savings account you must meet the following requirements: a service fee of $2.00 will be imposed every month if the balance in the account falls below $ any day of the month. For any additional fees and charges that may apply, please refer to our Fee Disclosure. Additional Terms - In your Regular Savings account during any calendar month you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft or similar order to a third party. Additional IRA rules and regulations apply to the IRA Variable Savings account in regards to withdrawals prior to 59 ½ years old. Important Notice - Savings and Money Market accounts are limited transaction accounts and are subject to Regulation D. Excessive withdrawals over the limit may result in fees, account closure, change of account type, termination of transfer capability or other remedial action. See your account disclosure for full details. Checking Account Disclosure: Interest Rate Information - The interest rates and annual percentage yields may change at any time. Compounding and Crediting Frequency - Interest will be compounded monthly. Interest will be Effect of Closing an Account - If you close your account before interest is credited; you will not receive Daily Balance Computation Method - We use the daily balance method to calculate the interest on Accrual of Interest on Noncash Deposits - Interest will begin to accrue on the business day you Minimum Balance to Open - The minimum balance required to open a checking account is $0.00. Minimum Balance to Obtain the Disclosed Annual Percentage Yield - You must maintain a minimum Deposit Limitations - You may make an unlimited number of deposits into your account. Fees and Charges - The following fees and charges apply to this account: o To avoid the imposition of the service fee on the Journey account you must meet the following requirements: a service fee of $4.00 will be imposed every month if the balance in the account falls below $ any day of the month. o To avoid the imposition of the service fee on the Super Now account you must meet the following requirements, a service fee of $5.00 will be imposed every month if the balance in the account falls below $ any day of the month. For additional fees and charges that may apply, please refer to our Fee Disclosure. 2

5 Additional Terms - The following additional terms apply to the Journey account; selected member check orders are free. Choice Account Disclosure: Interest Rate Information - The interest rates and annual percentage yields may change at any time. Compounding and Crediting Frequency Interest will be compounded monthly. Interest will be Effect of Closing an Account If you close your account before interest is credited; you will not receive Daily Balance Computation Method We use the daily balance method to calculate the interest on Accrual of Interest on Noncash Deposits Interest will begin to accrue on the business day you Minimum Balance to Open The minimum balance required to open this account is $0.00. Minimum Balance to Obtain the Disclosed Annual Percentage Yield - You must maintain a minimum Deposit Limitations You may make an unlimited number of deposits into your account. Fees and Charges No service fee, standard rates and data rates apply. For any additional fees that may apply please refer to our Fee Disclosure. Additional Terms Unlimited debit card usage estatement required. No checks permitted on this account. Health Savings Account (HSA) Disclosure: Interest Rate Information - The interest rates and annual percentage yields may change at any time. Compounding and Crediting Frequency Interest will be compounded monthly. Interest will be Effect of Closing an Account If you close your account before interest is credited; you will not receive Daily Balance Computation Method We use the daily balance method to calculate the interest on Accrual of Interest on Noncash Deposits Interest will begin to accrue on the business day you Minimum Balance to Open The minimum balance required to open this account is $0.00. Minimum Balance to Obtain the Disclosed Annual Percentage Yield You must maintain a minimum Deposit Limitations You may make an unlimited number of deposits into your account, up to the annual HSA contribution limit established by the IRS for your high-deductible health plan. Fees and Charges To avoid the imposition of the service fee on a Health Savings account you must meet the following requirements: a service fee of $2.00 will be imposed every month if the balance in the account falls below $ any day of the month. For additional fees and charges that may apply, please refer to our Fee Disclosure. 3

6 Additional Terms: A HSA is a tax-exempt trust or custodial account established exclusively for the purpose of paying qualified medical expenses of the account owner, their spouse and dependents. To open a HSA, you must meet eligibility requirements set by the Treasury Department and IRS. Preferred Money Market Disclosure: Interest Rate Information - The interest rates and annual percentage yields may change at any time. Compounding and Crediting Frequency Interest will be compounded monthly. Interest will be Effect of Closing an Account If you close your account before interest is credited; you will not receive Daily Balance Computation Method We use the daily balance method to calculate the interest on Accrual of Interest on Noncash Deposits Interest will begin to accrue on the business day you Minimum Balance to Open The minimum balance required to open this account is $0.00. Minimum Balance to obtain the disclosed annual percentage yield: - You must maintain a minimum Deposit Limitations You may make an unlimited number of deposits into your account. Fees and Charges The following fees and charges apply to this account: To avoid the imposition of the service fee you must meet the following requirements, a service fee of $10.00 will be imposed every month if the balance in the account falls below $5, any day of the month. For additional fees and charges that may apply, please refer to our Fee Disclosure. Additional Terms - During any calendar month you may not make more than six withdrawals or transfers to another account of yours to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft or similar order to a third party. Important Notice Savings and Money Market accounts are limited transaction accounts and are subject to Regulation D. Excessive withdrawals over the limit may result in fees, account closure, change of account type, termination of transfer capability or other remedial action. See your account disclosure for full details. The Fort Money Market Disclosure: Interest Rate Information - The interest rates and annual percentage yields may change at any time. Compounding and Crediting Frequency Interest will be compounded monthly. Interest will be Effect of Closing an Account If you close your account before interest is credited; you will not receive Daily Balance Computation Method We use the daily balance method to calculate the interest on Accrual of Interest on Noncash Deposits Interest will begin to accrue on the business day you Minimum Balance to Open The minimum balance required to open this account is $

7 Minimum Balance to obtain the disclosed annual percentage yield: - You must maintain a minimum Deposit Limitations You may make an unlimited number of deposits into your account. Fees and Charges The following fees and charges apply to this account: To avoid the imposition of the service fee you must meet the following requirements, a service fee of $10.00 will be imposed every month if the balance in the account falls below $1, any day of the month. For additional fees and charges that may apply, please refer to our Fee Disclosure. Additional Terms - During any calendar month you may not make more than six withdrawals or transfers to another account of yours to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft or similar order to a third party. Important Notice: Savings and Money Market accounts are limited transaction accounts and are subject to Regulation D. Excessive withdrawals over the limit may result in fees, account closure, change of account type, termination of transfer capability or other remedial action. See your account disclosure for full details. 5

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