Disclosure of Account Terms

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1 Disclosure of Account Terms Account Type Min. to open Daily Min Balance to obtain yield Basic Checking $0 N/A Choice Checking $0 N/A Premium Checking $0 N/A Statement Savings, Holiday Clubs $50 $300-24,999 Cody Club, Escrow & Landlord $25,000-49,999 For Interest Rate/APY see Over $50,000 Current Rate Sheet Current rates will be quoted at the time of account opening, upon request by calling (609) or by visiting our website Rates are subject to change. Account Terms Statement Savings, Holiday Clubs, Cody Club, Escrow & Landlord: Holiday Clubs are available in $1, $2, $3, $5, $10, $15, $20, $25 per week. No minimum number of payments is required to earn interest, however the account balance must reach $300 before it will begin to earn interest. The interest is accrued until the payment date of the club. Direct deposit is required for annual payout to an Ocean City Home Bank account. January 31 st will be the last day to open a club for the current year. Your interest rate and annual percentage yield may change at our discretion. Interest begins to accrue on the business day you deposit cash items and no later than the business day we receive credit for the deposit of non-cash items (for example checks). Interest is compounded daily and credited monthly. If you close your account before interest is credited, you will receive the accrued interest. All savings products statements will be mailed quarterly. Combined Statements are required. The savings account is subject to Federal Reserve Regulation D, which permits no more than six debits or transfers (to include overdraft protection transfers) per statement cycle to another account of yours at this institution or to a third party. These transfers may be preauthorized or automatic transfer or telephonic agreement, but no more than three of the six may be electronic bill payments to third parties. Transactions not within these limitations will result in a $5.00 fee per transaction and may result in the closure of your account. Also, you may visit the bank to withdraw funds, have us mail a check payable to you, or withdraw money with your ATM card. These are not third-party transactions and are not limited; however, normal transaction fees will apply. Only ATM cards will be issued on a savings account. $50 Minimum required to open account Basic Checking Account: No minimum balance required $3 monthly fee Printed Statements (no check images) 8 free withdrawals by check per month ($.50 fee for each withdrawal thereafter; unlimited withdrawals with withdrawal slip) card Telephone banking Choice Checking Account: $5 monthly maintenance fee unless any ONE of the following requirements are met: o $500 minimum daily checking account balance o $5,000 minimum combined deposit balance (checking/savings/cds/ira) per statement cycle o $1,000 or more in total checking account direct deposits per month (direct deposit minimum calculated on an individual account basis) Unlimited check writing and withdrawals. Online Statements required*. Images of cancelled checks will be included in your monthly statement through online banking. *Refer to Ocean City Home Bank Miscellaneous Service Charges for paper statement fee. 5 free foreign ATM withdrawals per month ($2 fee for each foreign ATM withdrawal thereafter) Telephone, online, and mobile banking 5 free bill payments each month ($.50 fee for each bill payment thereafter) Premium Checking Account $10 monthly maintenance fee unless ONE of the following requirements are met: o $10,000 minimum daily checking account balance o $20,000 minimum combined deposit and/or loan balance (checking/savings/cds/iras/loans) per statement cycle First 125 checks free at account opening 1

2 Printed statements (no check images). Images of cancelled checks will be included in your monthly statement through online banking. Unlimited check writing and withdrawals Unlimited free foreign ATM withdrawals Telephone, online, mobile banking and free bill payment CD specials Military Checking Account (Available to Active or Retired Members of the Military with ID) No monthly maintenance fee First 125 checks free at account opening Printed statements (no check images). Images of cancelled checks will be included in your monthly statement through online banking. Unlimited check writing and withdrawals Unlimited free foreign ATM withdrawals Telephone, online, mobile banking and free bill payment CD specials Health Savings Account (HSA) Checking Account: For those covered under a high deductible health plan (HDHP). Your interest rate and annual percentage yield may change at our discretion. Interest begins to accrue on the business day you deposit cash items and no later than the business day we receive credit for the deposit of non-cash items (for example checks). Interest is compounded daily and credited monthly. If you close your account before interest is credited, you will receive the accrued interest. Interest is paid on the full balance in the account at the rate that corresponds to that deposit tier. Free Visa debit card. Unlimited check writing. Images of cancelled checks will be included in your monthly statement. No Monthly Maintenance Fee No Minimum Balance To avoid unintended tax consequences, Access Overdraft is not available for this account. CERTIFICATE OF DEPOSIT Term Min. to open Daily Min to obtain yield 91 Days $1,000 $1, Day $1,000 $1,000 7 Month $1,000 $1,000 9 Month $1,000 $1, Month $1,000 $1, Month $500 $ Month (Variable Rate) $5,000 $5, Month $500 $ Month $500 $500 For Interest Rate/APY see 18 Month $500 $500 Current Rate Sheet 24 Month $500 $ Month $500 $ Month $500 $ Month $500 $ Month $500 $ Month $500 $500 Current rates will be quoted at the time of account opening, upon request by calling (609) or by visiting our website at Annual percentage yield assumes interest remains on deposit. Withdrawal of interest will reduce earnings. Certificate of Deposit Account Terms: The interest rate for your account will be paid until the maturity date of your certificate. Interest is compounded daily and will be credited to your account monthly. Interest begins to accrue on the business day you open your account. This account will automatically renew at maturity. You will have seven (7) calendar days from the maturity date to withdraw your funds without being charged a penalty. (The maturity date counts as the first day). After the account is opened, you may not make deposits into or withdrawals other than earnings from this account until the maturity date. Deposits permitted for the 15 Month Variable Rate CD. See details below. Interest can remain in account for compounding or be withdrawn by interest check or transferred to another account on deposit at Ocean City Home Bank. 2

3 Terms: If any of the deposit is withdrawn before the maturity date, a penalty as shown below will be imposed which could result in partial loss of principal. Premature withdrawal penalties are waived when one or more of the account holders become deceased. Early Withdrawal Penalty: Less than 1 year 3 months interest 1 year or longer 6 months interest 15 Month Variable Rate CD The interest rate and annual percentage yield may change. The interest rate will be determined using the 3-year Treasury Constant Maturity The 3-year Treasury Constant Maturity can be found at The rate will be adjusted monthly; on the first business day of each month. The maximum balance permitted is $250,000. The minimum rate regardless of the index will not drop below 0.995% The minimum add-on deposit permitted is $1,000. Individual Retirement Accounts: Ocean City Home Bank offers IRA Certificates in terms ranging from six months through seven years. Yearly contributions (for participants who are eligible) may be added to an existing IRA account. However, monies rolled or transferred into Ocean City Home Bank from retirement accounts at other financial institutions cannot be added to an existing Ocean City Home Bank IRA account. Maximum yearly contributions amounts are subject to limits set by the Internal Revenue Service. EZ IRA Account: The EZ IRA is an 84-month IRA. The interest rate you will receive is based on the prevailing 84-month IRA rate offered by Ocean City Home Bank (OCHB) at the time of account opening. A $25.00 minimum deposit is required to open the account. An OCHB checking account is required in order to open an EZ IRA. All automated transfers to the IRA will be made from the customer s OCHB checking account. Maximum yearly contribution amount is subject to limits set by the Internal Revenue Service. 3

4 OCEAN CITY HOME BANK MISCELLANEOUS SERVICE CHARGES Effective September 9, 2015 ATM/POS transactions which cause negative balances $32.00 ATM transactions completed at an ATM that is not ours $2.00 ATM surcharge for non-customers using OCHB Machine $4.00 ATM/Debit Card Express Shipping $25.00 ATM/Debit Card Same Day Pickup (some restrictions apply) $25.00 ATM card replacement fee $5.00 Bank Checks (payable to customer) FREE Bank Checks purchased by customer, payable to 3 rd party $10.00 Bill Payment Over Limit Fee (per bill) $.50 Bill Payment Stop Payment Fee $30.00 Business Debit Card one time Setup $15.00 Business Debit Card requesting higher limits $25.00 Check Copy $3.00 Choice Checking Monthly Maintenance (if minimum requirement not met) $5.00 Counter Check Per Sheet $1.00 Dormant/inactive accounts (after 18 months) $5.00 monthly Duplicate loan coupon book $2.50 Escheatment Fee $50.00 Expedited Electronic Bill Payment $10.00 Expedited Overnight Check Bill Payment $30.00 Foreign item collection $20.00 External Transfer -Outgoing $3.00 External Transfer _Incoming FREE External Transfer Per Account Set-up $5.00 Gold Medallion Signature Guarantee FREE Annual Single IRA* Fee $35.00 *A single IRA consists of funds invested solely in retirement account(s) with no other Ocean City Home Bank accounts. Levies, Liens and Attachments $ Night Depository Bag (Refundable if bag and keys are returned undamaged) $15.00 Notary Public - customer FREE Non-customer $ 2.50 NSF per item fee paid or returned Insufficient Funds for Consumer & Business Accounts $32.00 Pop Money Regular Payment $2.00 Pop Money Expedited Payment $5.00 Pop Money One-time Set-up $5.00 Premimum Checking Monthly Maintenance (if minimum requirement not met) $10.00 Draw Account Transfer fee $10.00 Overdraft Protection item fee applied to overdrafts created by check, in-person withdrawals, ATM & POS withdrawals or other electronic means $32.00 Research or statement reconciliation (Per hour/minimum) $25.00 Returned Items: Loan payments made $15.00 Checks for deposit or cashed $15.00 Safe Deposit Box Drilling fee $ Retail Smartphone Remote Deposit Capture $1.00 Returned Mail Processing $3.00 Safe Deposit Box key replacement $25.00 per key Savings account regulatory limit over 6 $5.00 Share Loan Fee $50.00 Share Loan Additional Disbursement Fee $25.00 Single Service Savings Account* Fee $5.00 *A single service savings account consists of just one savings account with no other Ocean City Home Bank accounts. 4

5 Statement Duplicate or Interim $5.00 Statement Paper statement $5.00 Stop Payment (Checks & ACH): $25.00 Telephone Banking FREE Teller Access FREE Transfer fee for deposit account (Lost or stolen) $ 3.00 Uncollected Funds Paid or Returned $32.00 Wire Transfers incoming $15.00 Wire Transfers outgoing $

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