Bank Easy Card. Benefits. Adding Funds

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1 Bank Easy Card Enjoy the unrivaled purchasing power of MasterCard with a prepaid, reloadable CharterBank Bank Easy Card. It's the smart way to manage and protect your money. Apply in minutes no minimum credit score is required Spend only the money available on your card Make purchases, pay bills online and more Use direct deposit to avoid check-cashing fees Benefits The CharterBank Bank Easy Card combines the features of a checking account with the convenience of a prepaid, reloadable, MasterCard check card. Enjoy hassle-free spending around town, while traveling or shopping online Establish financial responsibility since you can only spend available funds, you'll never overdraw your account Learn or sharpen budgeting skills Share jointly with your spouse, child, relative or friend Adding Funds It's easy to add money to your CharterBank Bank Easy Card: Deposit cash or CharterBank checks at any CharterBank location Enroll in Direct Deposit to automatically deposit your paycheck or government benefits Transfer funds to and from other CharterBank accounts

2 Managing Your Account Bank on your terms anytime, anywhere, with CharterBank s FREE Online Banking. It's safe, easy and convenient. With CharterBank Online Banking, you get FREE access to: Online Bill Payment schedule, secure payments when they're most convenient for you Mobile Banking perform banking transactions right from your mobile device (data rates from your carrier may apply) Alerts receive account-related or text messages on your mobile device (data rates from your carrier may apply) Pricing CharterBank Bank Easy Card fees are straightforward, affordable, and you never have to worry about overdraft fees. Standard monthly maintenance fee: $5 per month (CharterBank will reduce this fee to $3 for any month in which you have total deposits/ loads of at least $1,000.) ATM withdrawal fees: Free cash withdrawals at any CharterBank ATM $2.50 at ATMs outside of the CharterBank network View the complete list of fees and free services.

3 Frequently Asked Questions (FAQs) GENERAL INFORMATION What are the advantages of a CharterBank Bank Easy Card? Your CharterBank Bank Easy Card can be used just like any MasterCard check card, and is accepted at millions of places worldwide, online or by phone. You can easily get cash or add money to your account, and enjoy 100% MasterCard fraud protection with FDIC insurance. CharterBank Online Banking access anytime, anywhere you have an Internet connection. Who should get the CharterBank Bank Easy Card? The CharterBank Bank Easy Card is ideal if you want the spending power of a MasterCard check card but don't want to pay a lot in fees or risk overdrawing your account: Budget-minded clients can enjoy the convenience and safety a MasterCard check card provides while limiting spending to only the money they have available. Students and young adults can use our Bank Easy Card to establish financial responsibility. New customers with no prior banking relationships can be approved for a Bank Easy Card no minimum credit score required. Can I get a CharterBank Bank Easy Card for another family member? CharterBank Bank Easy Cards are issued only to the person submitting the application. Can I get a joint CharterBank Bank Easy Card? Yes. You may apply with your spouse, child or anyone else that you would like to have as a co-applicant. Can I get more than one card for my CharterBank Bank Easy Card? One card is issued for an individually owned CharterBank Bank Easy Card, and up to two cards can be issued for a joint account. Lost or stolen cards can be replaced for a nominal fee. GETTING STARTED How do I sign up for a CharterBank Bank Easy Card? Our CharterBank Bank Easy Card application process is quick and easy, and you'll get an online decision in minutes. Before you begin, gather the Social Security number, driver's license information, date of birth and current home address of any applicants, then apply online. Will you pull my credit report? Yes. We'll review your credit report to help us prevent fraud and identity theft. However, your credit score or lack of credit history will not prevent you from opening a CharterBank Bank Easy Card. Do I need to have a checking account? No, neither a checking account nor a previous relationship with CharterBank (or any other financial institution) is required.

4 Frequently Asked Questions (FAQs) - con t How do I set up direct deposit? After you apply for the CharterBank Bank Easy Card, print out the Direct Deposit form. (We'll even pre-fill most of the form for you.) Then, complete, sign, and deliver it to your company/employer's payroll department. You'll need Adobe Acrobat Reader to view and print your Direct Deposit form. If you don't currently have Acrobat Reader installed, you may download it for free at your convenience. Can I have my government benefits deposited to the account? Yes, your Social Security, SSI, VA Compensation and Pension or other federal benefit payments can be deposited directly into your CharterBank Bank Easy Card. Once your Bank Easy Card has been opened, visit Go Direct on the web to have your federal benefits deposited directly. How can I find a CharterBank Branch Office? Our online locator allows you to quickly find your nearest CharterBank Branch Office. LOADING FUNDS What is a "prepaid" card? Is that different from a "reloadable" card? A prepaid card allows you to spend only the amount of money in your account. Certain prepaid cards, such as gift cards, cannot be used after the prepaid money has been spent. A reloadable card, such as the CharterBank Bank Easy Card, is a check card that allows you to spend only the amount of money in your account but also add (reload) money whenever you need to, so that you can continue using the same card. How can I add money to my CharterBank Bank Easy Card? Adding money to your CharterBank Bank Easy Card is easy. You can set up direct deposit, add funds at any CharterBank Branch Office or transfer money from your other CharterBank accounts. USING YOUR CHARTERBANK BANK EASY CARD Where can I use my CharterBank Bank Easy Card? Your Bank Easy Card can be used wherever MasterCard check cards are accepted. You can make purchases or payments in stores, online or by phone. Can I use the account to pay bills? Yes, you can use the CharterBank Bank Easy Card to pay bills in person, over the phone or with CharterBank s online bill payment.

5 Frequently Asked Questions (FAQs) - con t Can I use the card to shop online? Yes, your CharterBank Bank Easy Card can be used for online purchases, wherever MasterCard check cards are accepted. Can I withdraw funds from any ATM? You can withdraw funds from any ATM that displays the MasterCard logo. If you use one of the CharterBank ATMs then there are no transaction or service fees. If you would like to withdraw funds from an ATM outside of the CharterBank network, you may incur fees. Please note that these fees may be listed in your account statements as "foreign ATM fees." Can I get cash back from my CharterBank Bank Easy Card? Yes, you can get cash back at participating merchant locations, such as grocery stores and drug stores. What should I know about transactions made at gas stations, hotels, restaurants and car-rental agencies? Transactions where the final purchase amount is not known at the time you present your card are processed differently than most other purchases. These special transactions may be handled differently by different merchants. If you are unsure of a merchant's policy, it s best to ask before presenting your card. Restaurants, Hotels, Car rental agencies may authorize more than final purchase amount. CHECKING YOUR BALANCE What's the best way to monitor my CharterBank Bank Easy Card? Sign up for online banking, our free, easy-to-use online banking service. You can also get balance information by calling What are account alerts? CharterBank alerts are messages from CharterBank that you can get by or through your mobile device. You can set up alerts to keep tabs on your account or to notify you when important account activities occur. What is CharterBank Online Banking? CharterBank Online Banking is a safe and convenient Internet banking service. You can bank online from anywhere you have Internet access, including your mobile phone. Use online banking to check balances, transfer funds, pay bills and set up alerts. What is mobile banking? CharterBank Mobile Banking is a way for you to bank anytime, anywhere, from your mobile device. CharterBank offers Mobile App and Mobile Text.

6 Frequently Asked Questions (FAQs) - con t Can I accidentally spend more than the balance on my card? No. The CharterBank Bank Easy Card has been designed to allow you to spend only the amount of money you've deposited. Can my card ever have a negative balance? It's possible that a MasterCard merchant may put an item through without prior authorization. For example, a restaurant may automatically add an 18% gratuity to your bill's total, and CharterBank would be obligated to pay for such an item. If the amount of the transaction exceeds the amount in your account, this may result in a negative balance. In the unlikely event of such a situation, the amount of the negative balance will automatically be deducted from the next deposit that is made to your CharterBank Bank Easy Card, and you would not be charged an overdraft fee. SECURITY What if my CharterBank Bank Easy Card is lost or stolen? If your Bank Easy Card gets lost or stolen or if the account number is misused by someone else you will be reimbursed for 100 percent of any unauthorized transactions. If your card is lost or stolen, call immediately. Are the funds in my account FDIC insured? Yes. All CharterBank Bank Easy Card funds are FDIC insured. Learn more about FDIC Insurance coverage and limits. PRICING Is it possible to incur overdraft fees with this account? No. The CharterBank Bank Easy Card has been designed so that you'll never incur overdraft fees. Are there any fees associated with the CharterBank Bank Easy Card? Yes, there is a standard monthly maintenance fee of $5 ($3 if you deposit/load $1,000 during a month). Additional fees, such as those for ATM withdrawals outside of the CharterBank network, may apply depending on your activity. See your Fee Schedule for full details. What is a foreign ATM fee? A foreign ATM fee (also known as a foreign transaction fee) is a fee charged to a cardholder for using an ATM outside of a bank's network. You can avoid this fee by using one of the CharterBank ATMs located near you.

7 CharterBank Bank Easy Card Pricing and Fees Amount of Fee Monthly Maintenance Standard $5.00 Reduced (with $1,000 loaded in month) $3.00 No Fee Services Unlimited Mobile Banking Unlimited Point of Sale PIN to Include Cash Back Unlimited Point of Sale Signature Unlimited Online Access to Your Account Information Unlimited Bill Payments Unlimited Funds Transfer between CharterBank Accounts Unlimited Cash Access at CharterBank Branch Offices Unlimited CharterBank ATM Withdrawals Unlimited CharterBank ATM Balance Inquiries Unlimited Telephone Banking Calls Customer Service Representative Calls One Card Replacement Per Re-Issue Cycle Fee Schedule Non CharterBank ATM Withdrawal $2.50 Non CharterBank ATM Balance Inquiry $2.50 Replacement Card $5.00 Replacement Card Express Delivery $35.00

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