SERVICES w w w. c o v e n a n t b a n k. c o m

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1 SERVICES w w w. c o v e n a n t b a n k. c o m

2 Mission To improve the quality of life for our citizens, businesses, shareholders, and the community through distinctive banking and financial services. Vision We are the bank of choice for all who need financial services in our area. Clients appreciate how well we serve them and recommend us to their friends. Covenant Bank is a fun, faith-based place to work with a family atmosphere. We are a great community host and a responsible corporate citizen. Core Values Covenant - To us means trust, commitment, ownership, support and service with our clients. Honesty - Truth is the foundation of each new relationship. Integrity - We earn your trust through ethical practices and services. Fairness - We seek a win-win relationship, balancing concerns for clients and resources. Stewardship - We are productive and performance-oriented with available resources.

3 Deposit Accounts and Services The following array of accounts lets you choose services based on your budget and previous check writing habits. The choice is yours! Each depositor is insured up to $100,000 by the Federal Deposit Insurance Corporation (FDIC). Covenant FREE Checking We want to give our customers convenient check-ing with all the extras you need to bank when, where and how you want - FREE! Covenant FREE Checking is a checking account with unlimited check writing, no minimum balance requirement and no monthly service charge. With this account, Online Banking and Bill Pay are free. ATM transactions at Covenant Bank ATM s are free. Covenant Bank will also refund the fees other banks charge to use theiratms. Covenant FREE Checking is a non-interest bearing account with a $50 minimum opening deposit required. When you open your account, your first order of checks is free. Community Spirit An interest bearing account with no maintenance fee as long as a minimum balance of $500 is kept in the account. If the minimum daily balance drops below $500, a service charge of $6.00 will be as-sessed per month. Unlimited check writing with no per check charge. By purchasing local school logo checks, you will make a tax deductible donation to that school system of $5.00 per box. This account requires a minimum initial deposit of $ lfyou choose, you can receive two boxes of bank wallet logo checks free per year. See separate brochure for more details. Covenant Gold This is the perfect account for our customers 50 years of age or older. The account has no monthly balance requirements and no service charge with unlimited check writing. This account is interest bearing if the daily balance stays at $500 or more per statement cycle. With this account, we provide two boxes of bank wallet logo checks free per year. Also, there will be no fee for telephone transfers and you will receive a discount on your safe deposit box. This account has a minimum initial deposit of $ Money Market Account Watch your money grow in an account that works like a savings account, with no service charge if you maintain a $2500 minimum balance or greater. If your balance drops below $2500, the monthly maintenance fee is $10 and no interest will be paid. This account carries a transaction limitation. Higher interest rates are paid when your balance is above $10,000 or $50,000. Deposit Accounts and Services The following array of accounts lets you choose services based on your budget and previous check writing habits. The choice is yours! Each depositor is insured up to $100,000 by the Federal Deposit Insurance Corporation (FDIC).

4 Savings Account A traditional account to help you save for your dreams. Save for a vacation, home, education, or a more secure retirement. Interest is paid on balances of $50 and greater. You receive a statement quarterly. An excessive transaction fee of $2.00 will be imposed for each withdrawal in excess of 3 per month. We also offer children s (minor) savings accounts. Christmas and Vacation Club Accounts To help save for your dreams, Covenant Bank offers these special savings accounts at no charge and pays interest. Christmas Clubs open in November and pay out in November of the following year. Vacation clubs open in May and pay out in May of the following year. Merry Christmas and Bon Voyage! Certificates of Deposit Covenant Bank has a wide range of investment certificates of deposit. We pay competitive interest rates. The minimum deposit to open this type of account is $500. The annual percentage yield (APY) is determined at the time of deposit. A substantial interest penalty is required for early withdrawal. For your convenience most of our certificates are automatically renewed. Individual Retirement Account (IRA) Certificate of Deposit An Individual RetirementAccount is one ofthe best tax savings investments for your retirement. Your investment is safe with Covenant Bank since your IRAdeposits are separately insured up to $250,000 by the FDIC. A minimum investment of $250 is required to open an account, and as with a traditional Certificate of Deposit, a substantial interest penalty is required for early withdrawal. Covenant FREE Business Checking At Covenant Bank we believe in small businesses. We want to give our business customers convenient checking with all the extras you need to bank when, where and how you want - FREE! Covenant FREE Business Checking is a checking account with no minimum balance requirement and no monthly service charge. You have 500 free monthly debit transactions. A 25-cent ($25) fee will be charged for each additional debit transaction over 500 per month. There is no charge for deposit transactions. Online Banking and Bill Pay are free. Covenant FREE Business Checking is a non-interest bear-ing account with a $100 minimum opening deposit required. Business Checking An account that gives you check writing and no per check or deposit charge. By simply maintaining a minimum balance of $2500 there will be no service charge on this account. If the balance falls below $2500 on any day ofthe statement cycle, a $15 monthly service charge is imposed. Business Money Market Account Watch your money grow in an account that works like a savings account, with no service charge if you maintain a $2500 minimum balance. If your balance drops below $2500, the monthly maintenance charge of $1 5 will be imposed and no interest is paid. This account carries a transaction limitation. Higher interest rates are paid when your balance is above $10,000 or $50,000.

5 Overdraft Privilege Overdraft Privilege is a discretionary overdraft service. At Covenant Bank, we do not encourage overdrafts. As always, we encourage you to man-age your finances responsibly. However, we want to save you from embarrassment, additional fees or possible damage to your credit history that might result if a check is returned. Rather than automatically returning unpaid any insufficient items that you have, we will consider, with no obligation on our part, payment of your reasonable overdrafts. We will charge our normal nonsufficient funds or overdraft charges, as set forth in our fee schedule for items that would create an overdraft on your account. Of course, we cannot promise each overdraft, not all accounts are eligible, and some restrictions apply. See our Overdraft Privilege policy for details. Overdraft Protection Even if you think you ll never overdraw your checking account, Overdraft Protection gives you extra peace of mind. In the event that sufficient funds are not available in your checking account, funds will be automatically transferred from your linked Covenant Bank savings or other checking account you designate. If you use your overdraft protection, there will be a $5.00 charge per transfer.

6 Special Services Covenant Bank Debit Cards Our MasterMoney Debit Card gives you access to ATM and Point of Sale (P05) machines nation-wide. There is no charge by Covenant Bank. We ll also refund the fees other banks charge to use theiratm s when you use your Covenant Bank ATM or debit card to withdraw funds. Bring us your receipts showing ATM surcharges you have received from other banks within the past 90 days and we ll deposit them back into your account. Fees for point-of-sale transactions, even if made at an ATM, are not refunded. Online Banking and Bill Pay Allows account holders FREE access to their banking information from a personal computer via the Internet. It s a safe and secure way to do your banking from the convenience of your home or of-fice. You can pay your bills electronically using our Bill Payer service. Online Banking and Bill Payer are FREE services at Covenant Bank. For more information, view the Online Banking page. Safe Deposit Boxes Safe Deposit Boxes protect your valuable papers and personal property from damage or loss. SIZES: * 3 x 5 - $20 ($15 with Discount) * 3 x 10 - $30 ($25 with Discount) * 5 x 10 - $35 ($30 with Discount) * 10 x 10 - $40 ($35 with Discount) Travelers Checks Travelers Checks are available for your convenience when traveling. Direct Deposit Direct Deposit of your Social Security, Retirement Benefits or Paycheck ensures that your money is safely deposited to your account and ready to use, even when you are away from home. Automatic Deductions Automatic deductions from your checking or savings account are a convenient way to pay bills such as insurance premiums and installment loans.

7 Wire Transfers Wire transfers enable you to wire money out and receive money worldwide, and your funds are immediately available to you. Cashiers Checks Cashiers Checks are available for our customers. Notary Service Notary Service is available for our customers convenience. Mortgage Services Covenant Bank s real estate mortgage department is ready to assist you in all types of financing with regard to the refinance, purchase and construction of your home. We process and close all types of residential mortgages that include FHA, VA and conventional mortgage loans. Programs include fixed interest rates for 30 year and I 5 year loans, as well as adjustable rate mortgage products. We shop the market for lower interest rates and get the best loan for your situation. Personal Visa & MasterCard Choose the one that fits your buying and travel needs. Covenant cards offer no annual fee and a variable rate of Prime + 5.9%. Both are available as Gold cards, offering additional benefits. See our separate Visa/Master- Card Brochures for more details. Business MasterCard An ideal service for your traveling personnel. The Covenant Bank Business Card offers you various reporting and payment options. There is an annual charge for each card and a variable interest rate of Prime + 7.9%. See our separate brochure for more details. Covenant On Call: 702-CALL (2255) This phone access system is available 24 hours. You can check your balance, transactions, interest, and other information on each of your accounts.

8 Loan Services Personal Loans Covenant Bank wants to help you achieve your dreams. Whether you need money for an emergency, a new car, a special vacation, a college education, an investment or any other reason, a Covenant Bank loan may be the best way to accomplish your objective. We have a variety of loans and lines of credit to choose from. Check with our office for details. Depending on the purpose of your loan, we ll help you determine the one that best suits your needs. Some of the types of loans we have to help you are installment loans, single payment, lines of credit, home mortgage loans, and equity lines. Equity Lines of Credit Use your home s equity to purchase things you need now or in the future, to refinance high interest credit card debt or for your child s college education. You have worked hard to build up the equity in your home and now is the time to put it to good use with Covenant Bank s Home Equity Line of Credit. Small Business and Commercial Loans Loans not only assist you in growing your business, but they help our communities grow and prosper. That s why Covenant Bank specializes in loans for businesses. Your business may need a combination of the following loan products: Line of Credit, Equip-ment Financing, Real Estate Loans, Construction Loans, Small Business Administration (SBA) Loan, Term Loans.

9 Miscellaneous Services & Fees Check Printing Cashier s Checks Deposited Items Returned Unpaid $2.00 Cost depends on the style of check ordered and the type of account $5.00 for Customers, $10.00 for Non-customers Traveler s Checks Non-sufficient Funds/Overdraft Item Paid Fee (NSF/OD) item(each) Daily Overdraft fee 1% of purchased amount $35.00 $5.00 per day after 3 calendar days Garnishment/Levy fee $75.00 Check cashing fee for non-customers $10.00 Special Statement $2.00 Account Research $1.00 per copy and $10.00 per hour Stop Payments $35.00 Replacement loan coupon book $5.00 Dormant Accounts each statement cycle $2.00 Telephone Transfers & Balance Inquiry Fee (over 3 per statement cycle) $2.00 Wire Transfers Outgoing $15.00 Incoming $5.00 International $35.00 ATM Transactions No charge by Covenant Bank Any service charge is subject to change thirty days (30) after notice of the change is posted in the bank or mailed to you.

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