CONSUMER ACCOUNT DISCLOSURE OVERDRAFT PRIVILEGE

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1 CONSUMER ACCOUNT DISCLOSURE March 26, 2018 OVERDRAFT PRIVILEGE OVERDRAFT PRIVILEGE will provide you with the ability to pay inadvertent overdrafts on your account up to $20000 for checking accounts open less than 35 days, up to $60000 for checking accounts open more than 35 days, or up to $800 for checking accounts open more than 35 days with a regularly occurring direct deposit (Defined as two or more ACH deposits, each exceeding $100, within a 60 day time period) OVERDRAFT PRIVILEGE is extended to you to handle inadvertent overdrafts, and to provide you with peace of mind knowing your checks generally will be honored up to your assigned OVERDRAFT PRIVILEGE limit This non-contractual courtesy costs you nothing unless you use the privilege - by initiating checks, electronic funds transfers, recurring debit card transactions, or other payment or withdrawal requests for more than you have on deposit in your account Payment of overdrafts caused by ATM and everyday debit card transactions such as point-of-sale ("POS") transactions will only be authorized if you have opted-in to that service If you maintain your account in good standing (as defined below) and you have need for this "privilege", we will generally pay your transactions up to your assigned limit, and we will charge your account our normal Return NSF Item/Paid Overdraft Item Fee of $3000 for each item that overdraws your account We will mail you a notice each time an overdraft occurs Please read our policy, it will answer any questions, you may have If you need further clarification, do not hesitate to call customer service or your account officer at OVERDRAFT PRIVILEGE POLICY : It is the policy of our Bank to comply with applicable laws and regulations, and to conduct business in accordance with applicable safety and soundness standards An insufficient balance may result from: A) The payment of checks, electronic funds transfers, ATM withdrawals, debit card payments, or other withdrawal requests; B) Payments authorized by you; C) The return of deposit items by other institutions marked unpaid; D) The imposition of bank service charges; or E) The deposit of items which according to the Bank's Funds Availability Policy, are treated as not yet "available" or finally paid We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds However, if you maintain your account in good standing, defined as: A) Making regular deposits; B) Bringing the account to a positive balance every thirty days or less; C) There are no legal orders outstanding; D) You are not in default on any loan obligation to Southside Bank; and E) You have not declared bankruptcy, we will consider-as a discretionary courtesy or service and not a right of yours nor an obligation on our part-approving your reasonable overdrafts caused by checks, electronic funds transfers, and recurring debit card transactions Payment of overdrafts caused by ATM and everyday debit card transactions such as a point-of-sale ("POS") transactions will only be authorized if you have opted-in to that service, Generally, we will not approve an overdraft for you in excess of your assigned limit as determined in paragraph one above These limits include our Return NSF Item/Paid Overdraft Item Fee(s) We may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you OVERDRAFT PRIVILEGE does not constitute an actual or implied obligation of the bank The service represents a purely discretionary courtesy that the bank may provide to you from time to time and which may be withdrawn or withheld by the bank at any time without prior notice or reason or cause You will be notified by mail of any overdraft items paid or non sufficient funds items returned that you may have; however, we have no obligation to notify you before we pay or return any item The amount of any overdraft plus our Return NSF Item Fee and/or Paid Overdraft Item Fee(s) that you owe us shall be due and payable upon demand If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdraft plus our Return NSF Item/Paid Overdraft Item Fee(s) LIMITATIONS: OVERDRAFT PRIVILEGE is not available on Money Market, Health Savings, and Spirit Checking accounts Next Checking accounts are excluded from Overdraft Privilege for a minimum of 12 months from account opening, and only permitted thereafter by approved request We may also limit the number of accounts eligible for OVERDRAFT PRIVILEGE to one account Additionally, we reserve the right to not approve any overdrafts against your account until we can verify that your account is being maintained in good standing, as defined above PAYMENT ORDER OF ITEMS: If there are available funds to cover some, but not all, of the withdrawals and other debits to your Account on a single business day, items presented for payment will be debited from your account in the following order of priority: (1) Priority debit items (cash withdrawals, teller cashed checks, and equivalents, such as wire transfers, internal Page 1 of 23

2 transfers, account service fees, and ATM withdrawals), (2) Debit card transactions will be debited low to high amount, (3) ACH items without check numbers will be debited low to high amount Then ACH items with check numbers will be debited low to high check number order, and (4) Checks will be debited low to high check number order ACCOUNT FEES ON ALL ACCOUNTS, INCLUDING FREE CHECKING: Whether we pay or return a Non-Sufficient Funds item, a flat per item handling fee will be charged to your account as a Return NSF Item and/or Paid Overdraft Item Fee of $3000 We will not charge you more than five (5) total Paid Overdraft Item Fees per day for overdrawing your account YOU MAY ALWAYS OPT OUT: You may choose at any time to not participate in the service by notifying one of our Service Representatives OPTIONAL OVERDRAFT PROTECTION SERVICES: We offer additional overdraft protection services that you may choose to utilize These include credit approved overdraft lines of credit and automatic funds transfers from another account of yours with us If you choose these optional services, you may save money on the total fees you pay us for overdraft protection services READY RESERVE CHECKING Description: Ready Reserve Checking is an unsecured Line of Credit with a fixed ANNUAL PERCENTAGE RATE of 14% It has a dual purpose since it can be used as a form of Overdraft Protection on a Southside Bank checking account and it may also be used as a Credit Line The Credit Line provides customers with the ability to write checks whenever needed Eligibility: With approved credit Anyone can apply for a Ready Reserve Account A checking account with Southside Bank is required All owners of the checking account must sign the Ready Reserve Checking Agreement Credit Line Amounts: Minimum Credit is $50000 Minimum advance is $25000, or remaining Credit Line balance A Credit Line will be established based on the individual's income, financial status and credit history Credit Line increases are available upon application Credit Line Uses: The Ready Reserve Account can be used as overdraft protection on checking accounts The Ready Reserve Account is an established Credit Line Therefore, the customer does not have to apply each time additional funds are needed Overdrawing the associated checking account accesses the Credit Line Finance Charge: When Finance Charges begin to accrue: Periodic FINANCE CHARGES for credit advances under your Credit Line will begin to accrue on the date credit advances are posted to your Credit Line There is no "free ride period" which would allow you to avoid a FINANCE CHARGE on your Credit Line credit advances Method used to determine the balance on which the FINANCE CHARGE will be computed: A daily FINANCE CHARGE will be imposed on all credit advances made under your Credit Line imposed from the date of each credit advance based on the "daily balance" method To get the daily balance, we take the beginning balance of your Credit Line Account each day, add any new advances and subtract any payments or credits and any unpaid FINANCE CHARGES This gives us the "daily balance" Method of determining the amount of FINANCE CHARGE: Any FINANCE CHARGE is determined by applying the "Periodic Rate" to the balance described above Then we add together the periodic FINANCE CHARGES for each day in the statement cycle This is your FINANCE CHARGE calculated by applying a Periodic Rate The Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE on your Credit Line are subject to change from time to time Repayment: Payments are 5% of the outstanding balance plus all accrued interest or $2500 plus all accrued interest, whichever is greater and are automatically debited from the associated checking account Page 2 of 23

3 AUTOMATIC OVERDRAFT TRANSFER Automatic Overdraft Transfer links your Southside Bank checking account to another Southside Bank account - such as a savings or second checking account - and automatically transfers available funds when your checking account does not have enough money to cover your transactions This service can help you avoid Overdraft and Merchant Fees To do this, you will need to give Southside Bank permission by completing an authorization form There is no cost to enroll in Automatic Overdraft Transfer You pay only when you use the service There is a $1000 transfer fee each time we need to transfer funds for you Interest Rates and Annual Percentage Yields are current as of For current rate information call (888) CLASSIC CHECKING The Bank may make a change in your Checking Account that will not affect your available balance, FDIC insurance or bank statement This Account will consist of a checking sub account and a savings sub account The bank may periodically transfer funds between these two sub accounts The saving sub account will be governed by the rules governing our other savings accounts Limitations: You must deposit $5000 to open this account Account Fees: Paper Statement Fee: $300 (waived w/e-statement enrollment) Inactivity Fee: $500 (monthly fee assessed if inactive for 90 days and balance is less than $50000) Check Handling: Checks are held in safekeeping (No items will be returned in the monthly statements) Should you need a copy of a check, it is available at no charge for 90 days through your Online Banking access Copies may also be requested for a fee See Miscellaneous Fees and Charges PRIME CHECKING The Bank may make a change in your Checking Account that will not affect your available balance, FDIC insurance or bank statement This Account will consist of a checking sub account and a savings sub account The bank may periodically transfer funds between these two sub accounts The saving sub account will be governed by the rules governing our other savings accounts Limitations: You must deposit $5000 to open this account Account Fees: Monthly Maintenance Fee: $500 Reduced by $100 while account is enrolled in e-statements Reduced by $010 for each * qualified debit card POS purchase that posts to the account during the statement cycle Credit toward the Monthly Maintenance Fee in excess of $500 will not be added to the account balance or carried forward to future statement cycles The Monthly Maintenance Fee (less credits earned during each statement cycle) will be assessed on the first day of the following statement cycle * Qualified debit card POS purchases include Pinned Point-Of-Sale (POS) purchases, Signature POS purchases and Pinless Bill Pay POS debit transactions ATM transactions do not apply Please Note: Prime Checking includes BaZing Benefits Package Registration on Bazingcom is required to receive certain benefits available with this product Benefits are subject to terms and conditions provided on BaZingcom Check Handling: Checks are held in safekeeping, imaged items will be included in the monthly statement SPIRIT CHECKING The Bank may make a change in your Checking Account that will not affect your available balance, FDIC insurance or bank statement This Account will consist of a checking sub account and a savings sub account The bank may periodically transfer funds between these two sub accounts The saving sub account will be governed by the rules governing our other savings accounts Limitations: You must deposit $5000 to open this account Account Fees: No Monthly Fee Inactivity Fee: $500 (monthly fee assessed if inactive for 90 days and balance is less than $50000) For minors, ages 13 thru 17 years old Co-ownership of a family member over the age of 18 is required at the time of account opening Account must be opened without right of survivorship and no payable on death beneficiary At the age of 18 the account will convert to a Classic Checking At that time you will have the option to add right of survivorship or designate a payable on death beneficiary This account is not eligible for Overdraft Privilege Page 3 of 23

4 Account Benefits: Free initial "Spirit" or "Personalized" Advantage Check card (limited one per account) Free Online Banking Free Mobile Banking Free Bill Pay Check Handling: Checks are held in safekeeping (No items will be returned in the monthly statements) Should you need a copy of a check, it is available at no charge for 90 days through your Online Banking access Copies may also be requested for a fee See Miscellaneous Fees and Charges VETERANS CHECKING The Bank may make a change in your Checking Account that will not affect your available balance, FDIC insurance or bank statement This Account will consist of a checking sub account and a savings sub account The bank may periodically transfer funds between these two sub accounts The saving sub account will be governed by the rules governing our other savings accounts Limitations: You must deposit $5000 to open this account Account Fees: Paper Statement Fee: $300 (waived w/e-statement enrollment) Inactivity Fee: $500 (monthly fee assessed if inactive for 90 days and balance is less than $50000) For active and retired US military service members (at least one account owner must be a veteran) Must provide a Veteran card, valid current military ID or a DD-214 ("Long Form") showing honorable or general discharge under honorable conditions Account Benefits: Free initial order of "American Flag" checks with first new account Initial fee waived for custom "Patriotic" Advantage Check Card (for all account owners) Check Handling: Checks are held in safekeeping, imaged items will be included in the monthly statement NEXT CHECKING The Bank may make a change in your Checking Account that will not affect your available balance, FDIC insurance or bank statement This Account will consist of a checking sub account and a savings sub account The bank may periodically transfer funds between these two sub accounts The savings sub account will be governed by the rules governing our other savings accounts Limitations: You must deposit $5000 to open this account Account Fees: Monthly Maintenance Fee: $995 Paper Statement Fee: $300 (waived w/e-statement enrollment) Account applicants must not have been reported to ChexSystems within the last six (6) months, unless the report is from Southside Bank Account applicants may not have a history of account fraud with ChexSystems When reopening a Southside Bank charged off account, the customer must pay 10% or $5000, whichever is greater The balance of the charged off total may be set up on a fresh start repayment plan if the amount exceeds $10000 Overdraft Privilege is not available for a minimum of 12 months from account opening, and only permitted thereafter by approved request Check Handling: Checks are held in safekeeping (No items will be returned in the monthly statements) Should you need a copy of a check, it is available at no charge for 90 days through your Online Banking access Copies may also be requested for a fee See Miscellaneous Fees and Charges SENIOR CHECKING The Bank may make a change in your Checking Account that will not affect your available balance, FDIC insurance or bank statement This Account will consist of a checking sub account and a savings sub account The bank may periodically transfer funds between these two sub accounts The saving sub account will be governed by the rules governing our other savings accounts Rate Information: This Account is an interest bearing account The interest rate on the account is 012% with an annual percentage yield of 012% The interest rate and annual percentage yield may change At our discretion, we may change the interest rate on the account Daily Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) Interest will be compounded monthly and will be credited to the account monthly Balance Information: We use the daily balance method to calculate the interest on the account This method applies a daily periodic rate to the collected balance in the account each day Limitations: You must deposit $5000 to open this account Account Fees: No Monthly Fee Inactivity Fee: $500 (monthly fee assessed if inactive for 90 days and balance is less than $50000) For customers 60 years or age or better One Senior Account per primary account holder Check Handling: Checks are held in safekeeping, imaged items will be included in the monthly statement CHECKING PLUS The Bank may make a change in your Checking Account that will not affect your available balance, FDIC insurance or bank statement This Account will consist of a checking sub account and a savings sub account The bank may periodically transfer funds between these two sub accounts The saving sub account will be governed by the rules governing our other savings accounts Rate Information: This Account is an interest bearing account If the balance is less than $2,50000, the interest rate paid on the entire balance in the account will be 006% with an annual percentage yield of 006% If the balance is more than $2,49999, but less than $10,00000, the interest rate paid on the entire balance in the account will be 011% with an annual percentage yield of 011% If the balance is more than $9,99999, but less than $25,00000, the interest rate paid on the entire balance in the account will be 015% with an annual percentage yield of 015% If the balance is more than $24,99999, but less than $50,00000, the interest rate paid on the entire balance in the account will be 020% with an annual percentage yield of 020% If the balance is more than $49,99999, but less than $100,00000, the Page 4 of 23

5 interest rate paid on the entire balance in the account will be 024% with an annual percentage yield of 024% If the balance is more than $99,99999, but less than $250,00000, the interest rate paid on the entire balance in the account will be 032% with an annual percentage yield of 032% If the balance is more than $249,99999 the interest rate paid on the entire balance in the account will be 041% with an annual percentage yield of 041% The interest rate and annual percentage yield may change At our discretion, we may change the interest rate on the account Daily Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) Interest will be compounded monthly and will be credited to the account monthly Balance Information: We use the daily balance method to calculate the interest on the account This method applies a daily periodic rate to the collected balance in the account each day Limitations: You must deposit $5000 to open this account Account Fees: Monthly Maintenance Fee: $900 if the average daily balance for the statement cycle falls below $1,00000 The average daily balance is calculated by adding the principal in the account for each of the period and dividing that figure by the number of days in the period Balance Tiers: Interest will be paid on the entire collected balance at the interest rate set for the tier into which the entire end-of-day collected balance falls Check Handling: Checks are held in safekeeping, imaged items will be included in the monthly statement RELATIONSHIP CHECKING The Bank may make a change in your Checking Account that will not affect your available balance, FDIC insurance or bank statement This Account will consist of a checking sub account and a savings sub account The bank may periodically transfer funds between these two sub accounts The saving sub account will be governed by the rules governing our other savings accounts Rate Information: This Account is an interest bearing account If the balance is more than $7,49999, but less than $20,00000, the interest rate paid on the entire balance in the account will be 010% with an annual percentage yield of 010% If the balance is more than $19,99999, but less than $50,00000, the interest rate paid on the entire balance in the account will be 020% with an annual percentage yield of 020% If the balance is more than $49,99999, but less than $100,00000, the interest rate paid on the entire balance in the account will be 025% with an annual percentage yield of 025% If the balance is more than $99,99999, but less than $500,00000, the interest rate paid on the entire balance in the account will be 038% with an annual percentage yield of 038% If the balance is more than $499,99999 the interest rate paid on the entire balance in the account will be 045% with an annual percentage yield of 045% The interest rate and annual percentage yield may change At our discretion, we may change the interest rate on the account Daily Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) Interest will be compounded monthly and will be credited to the account monthly Balance Information: We use the daily balance method to calculate the interest on the account This method applies a daily periodic rate to the collected balance in the account each day Limitations: You must deposit $5000 to open this account Account Fees: Monthly Maintenance Fee: $1500 if the average daily balance for the statement cycle falls below $7,50000 The average daily balance is calculated by adding the principal in the account for each of the period and dividing that figure by the number of days in the period In addition to maintaining an average daily balance of at least $7,50000, the monthly maintenance fee can also be avoided by maintaining a combined relationship of $50,00000 or more with Southside Bank per statement cycle All qualifications for a combined relationship are reviewed the day of this checking account's monthly cycle date Combined Relationship Qualifications: Based on the first named (primary) owner of the Relationship Checking account All Accounts of the primary owner which qualify to be combined and the balances used for qualifications Personal checking, savings and/or money market accounts' current average monthly balance (excludes: CD's and IRA's) Personal loan accounts', current outstanding balance including Mortgages and Ready Reserve (excludes: credit cards) Sole proprietorship accounts in the name of the primary owner qualify; all other commercial deposits and commercial loans do not qualify Account Benefits: 15% Discount on eligible loans (excluding mortgages); Refund of ATM fees charged by other banks up to $10 per statement cycle; Refund of up to 4 (per statement cycle) Foreign ATM Withdrawal Fees charged by Southside Bank for withdrawals made at ATMs not owned by Southside Bank; Refund of up to 4 (per statement cycle) Foreign ATM Balance Inquiry Fees charged by Southside Bank for balance inquiries made at ATMs not owned by Southside Bank; 2 Boxes of bank stock checks annually at no charge (customer pays shipping and handling); No annual fee for a 3x5 safe deposit box, where available Balance Tiers: Interest will be paid on the entire collected balance at the interest rate set for the tier into which the entire end-of-day collected balance falls Check Handling: Checks are held in safekeeping, imaged items will be included in the monthly statement ADVANTAGE INVESTMENT MONEY MARKET CHECKING Rate Information: This Account is an interest bearing account If the balance is less than $10,00000, the interest rate paid on the entire balance in the account will be 010% with an annual percentage yield of 010% If the balance is more than $9,99999, but less than $20,00000, the interest rate paid on the entire balance in the account will be 015% with an annual percentage yield of 015% If the balance is more than $19,99999, but less than $30,00000, the interest rate paid on the entire balance in the account will be 023% with an annual percentage yield of 023% If the balance is more than $29,99999, but less than $250,00000, the interest rate paid on the entire balance in the account will be 055% with an annual percentage yield of 055% If the balance is more than $249,99999, but less than $500,00000, the interest rate paid on the entire balance in the account will be 078% with an annual percentage yield of 078% If the balance is more than $499,99999, but less than $1,000,00000, the interest rate paid on the entire balance in the account will be 090% with an annual percentage yield of 090% If the balance is more than $999,99999, but less than $3,000,00000, the interest rate paid on the entire balance in the account will be 110% with an annual percentage yield of 111% If the balance is more than $2,999,99999 the interest rate paid on the entire balance in the account will be 130% with an annual percentage yield of 131% Page 5 of 23

6 The interest rate and annual percentage yield may change At our discretion, we may change the interest rate on the account Daily Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) Interest will be compounded monthly and will be credited to the account monthly Balance Information: We use the daily balance method to calculate the interest on the account This method applies a daily periodic rate to the collected balance in the account each day Limitations: You must deposit $5000 to open this account As directed by Banking Regulations, limited withdrawals, including ACH items debited from your account, above the allowed number of six per statement cycle will subject the account to being changed to a Classic Checking Account status without further notice Account Fees: Minimum Balance Fee: $1000 will be charged each month if the average daily balance for the statement cycle falls below $1,00000 The average daily balance is calculated by adding the principal in the account for each of the period and dividing that figure by the number of days in the period Excess Debit Fee: $1000 will be charged for each limited withdrawal in excess of six per statement cycle (with the exception of ACH items debited from your account) Limited Withdrawals: Transfers or withdrawals to another account not made in person Transfers to third parties done by preauthorized, automatic, telephone, computer transfer (including bill payment), check, draft, point-of-sale (POS), debit card or similar Unlimited Withdrawals: Transfers or withdrawals made in person or at an ATM Automatic loan payments made to pay Southside Bank loans We reserve the right to at any time 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 Balance Tiers: Interest will be paid on the entire collected balance at the interest rate set for the tier into which the entire end-of-day collected balance falls Check Handling: Checks are held in safekeeping, imaged items will be included in the monthly statement PLATINUM ADVANTAGE INVESTMENT MONEY MARKET CHECKING Rate Information: This Account is an interest bearing account If the balance is less than $20,00000, the interest rate paid on the entire balance in the account will be 011% with an annual percentage yield of 011% If the balance is more than $19,99999, but less than $50,00000, the interest rate paid on the entire balance in the account will be 016% with an annual percentage yield of 016% If the balance is more than $49,99999, but less than $75,00000, the interest rate paid on the entire balance in the account will be 030% with an annual percentage yield of 030% If the balance is more than $74,99999, but less than $150,00000, the interest rate paid on the entire balance in the account will be 050% with an annual percentage yield of 050% If the balance is more than $149,99999, but less than $250,00000, the interest rate paid on the entire balance in the account will be 070% with an annual percentage yield of 070% If the balance is more than $249,99999, but less than $500,00000, the interest rate paid on the entire balance in the account will be 084% with an annual percentage yield of 084% If the balance is more than $499,99999, but less than $1,000,00000, the interest rate paid on the entire balance in the account will be 090% with an annual percentage yield of 090% If the balance is more than $999,99999, but less than $3,000,00000, the interest rate paid on the entire balance in the account will be 110% with an annual percentage yield of 111% If the balance is more than $2,999,99999 the interest rate paid on the entire balance in the account will be 130% with an annual percentage yield of 131% The interest rate and annual percentage yield may change At our discretion, we may change the interest rate on the account Daily Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) Interest will be compounded monthly and will be credited to the account monthly Balance Information: We use the daily balance method to calculate the interest on the account This method applies a daily periodic rate to the collected balance in the account each day Limitations: You must deposit $5,00000 to open this account As directed by Banking Regulations, limited withdrawals, including ACH items debited from your account, above the allowed number of six per statement cycle will subject the account to being changed to a Classic Checking Account status without further notice Account Fees: Minimum Balance Fee: $1000 will be charged each month if the average daily balance for the statement cycle falls below $5,00000 The average daily balance is calculated by adding the principal in the account for each of the period and dividing that figure by the number of days in the period Excess Debit Fee: $1000 will be charged for each limited withdrawal in excess of six per statement cycle (with the exception of ACH items debited from your account) Limited Withdrawals: Transfers or withdrawals to another account not made in person Transfers to third parties done by preauthorized, automatic, telephone, computer transfer (including bill payment), check, draft, point-of-sale (POS), debit card or similar Unlimited Withdrawals: Transfers or withdrawals made in person or at an ATM Automatic loan payments made to pay Southside Bank loans We reserve the right to at any time 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 Balance Tiers: Interest will be paid on the entire collected balance at the interest rate set for the tier into which the entire end-of-day collected balance falls Check Handling: Checks are held in safekeeping, imaged items will be included in the monthly statement Page 6 of 23

7 YOUTH SAVINGS Rate Information: This Account is an interest bearing account The interest rate on the account is 025% with an annual percentage yield of 025% The interest rate and annual percentage yield may change At our discretion, we may change the interest rate on the account Daily Interest begins to accrue on the business day you deposit noncash items (for example, checks) Interest will be compounded daily and will be credited to the account quarterly Balance Information: We use the daily balance method to calculate the interest on the account This method applies a daily periodic rate to the principal in the account each day Limitations: You must deposit $2500 to open this account As directed by Banking Regulations, limited withdrawals, including ACH items debited from your account, above the allowed number of six per month will subject the account to being closed without further notice Account Fees: No Monthly Fee For Minors through the age of 17 years old At the age of 18 years the account will convert to a Regular Savings Account No Advantage Check Card allowed on this account Excess Debit Fee: $200 will be charged for each limited withdrawal in excess of two per month (with the exception of ACH items debited from your account) Limited Withdrawals: Transfers or withdrawals to another account not made in person Transfers to third parties done by preauthorized, automatic, telephone, computer transfer (including bill payment), check, draft, or similar Unlimited Withdrawals: Transfers or withdrawals made in person Automatic loan payments made to pay Southside Bank loans PERSONAL SAVINGS Rate Information: This Account is an interest bearing account If the daily balance is less than $2,50000, the interest rate paid on the entire balance in the account will be 007% with an annual percentage yield of 007% If the daily balance is more than $2,49999, but less than $10,00000, the interest rate paid on the entire balance in the account will be 011% with an annual percentage yield of 011% If the daily balance is more than $9,99999, but less than $25,00000, the interest rate paid on the entire balance in the account will be 015% with an annual percentage yield of 015% If the daily balance is more than $24,99999, but less than $50,00000, the interest rate paid on the entire balance in the account will be 019% with an annual percentage yield of 019% If the daily balance is more than $49,99999, but less than $100,00000, the interest rate paid on the entire balance in the account will be 024% with an annual percentage yield of 024% If the daily balance is more than $99,99999, but less than $250,00000, the interest rate paid on the entire balance in the account will be 033% with an annual percentage yield of 033% If the daily balance is more than $249,99999 the interest rate paid on the entire balance in the account will be 042% with an annual percentage yield of 042% The interest rate and annual percentage yield may change At our discretion, we may change the interest rate on the account Daily Interest begins to accrue on the business day you deposit noncash items (for example, checks) Interest will be compounded daily and will be credited to the account quarterly Balance Information: We use the daily balance method to calculate the interest on the account This method applies a daily periodic rate to the principal in the account each day Limitations: You must deposit $5000 to open this account As directed by Banking Regulations, limited withdrawals, including ACH items debited from your account, above the allowed number of six per month will subject the account to close without further notice Account Fees: Minimum Balance Fee: $300 will be charged each month if the average daily balance for the month falls below $30000 The average daily balance is calculated by adding the principal in the account for each of the period and dividing that figure by the number of days in the period Excess Debit Fee: $200 will be charged for each limited withdrawal in excess of two per month (with the exception of ACH items debited from your account) Limited Withdrawals: Transfers or withdrawals to another account not made in person Transfers to third parties done by preauthorized, automatic, telephone, computer transfer (including bill payment), check, draft, point-of-sale (POS), debit card or similar Unlimited Withdrawals: Transfers or withdrawals made in person or at an ATM Automatic loan payments made to pay Southside Bank loans We reserve the right to at any time 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 Balance Tiers: Interest will be paid on the entire collected balance at the interest rate set for the tier into which the entire end-of-day collected balance falls HEALTH SAVINGS ACCOUNT The Bank may make a change in your Checking Account that will not affect your available balance, FDIC insurance or bank statement This Account will consist of a checking sub account and a savings sub account The bank may periodically transfer funds between these two sub accounts The saving sub account will be governed by the rules governing our other savings accounts Rate Information: This Account is an interest bearing account The interest rate on the account is 012% with an annual percentage yield of Page 7 of 23

8 012% The interest rate and annual percentage yield may change At our discretion, we may change the interest rate on the account daily Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) Interest will be compounded monthly and will be credited to the account monthly Balance Information: We use the average daily balance method to calculate interest on your account This method applies a periodic rate to the average daily balance in the account for the period The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period You must maintain a minimum average daily balance of $5,00000 to obtain the disclosed annual percentage yield The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period Limitations: You must deposit $10000 to open this account Account Fees: Minimum Balance Fee: $300 each month if the average daily balance for the statement cycle falls below $50000 The average daily balance is calculated by adding the principal in the account for each of the period and dividing that figure by the number of days in the period Account must be opened as a single party without right or survivorship This account is not eligible for Overdraft Privilege Check Handling: Checks are held in safekeeping, imaged items will be included in the monthly statement MISCELLANEOUS FEES AND CHARGES Collection Items Automobile, Check Collection, Etc: $1200 Bond Coupons: Customer $1200 Non-customer $2500 Bond Redemptions - HH and municipal: Customer $1200 Non-customer $2500 International: $3500 OGM Leases: $1200 Miscellaneous Fees and Charges Account Closed within 90-days: $2000 Account Reopening: $1500 Account Research: $4000 Per hour (1 hour minimum) and $100 per copy Advantage Check Card Debit Card Non-Usage Fee - per acct: Monthly service fee for non-usage $1 Advantage Check Card Replacement Card: $1000 Automatic Overdraft Transfer: A $1000 transfer fee will be assessed for each automatic transfer made from another Southside Bank account to cover overdrafts Bill Pay (Consumer): Monthly $595 Includes 15 bills, each additional bill is $ 50 FREE with e-stmts Bill Pay (Commercial): Monthly $1000 Business Online: w/ Cash Management $4500/mo Cashier's Check : Customer $500, Non Customer (check exchange only) $1000 Chargeback Check: $400 Check Cashing Non Customer:: Checks less than $1,000 - $1000; Checks >= to $1,000 - $2500 Check Copy Charge: $200 Check Printing - Harland Clarke: Call the call center or visit the new accounts area for information Coin Counting - Per bag: Customer Only $200 Deposit Bags: Locking $2500 Zipper $500 External Transfers (Online): $200 Foreign ATM Balance Inquiry: $ 75 Foreign ATM Withdrawal: $150 Legal Research Service: $4000 Per hour and $ 100 Per copy Levy/Garnishment: $10000 Mobile Deposit : No Charge MobiMoney: No Charge Notary Service (Customers): $300 Paid Overdraft Item Fee - (Fee for paying each overdraft item) This fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means: $3000 Return NSF Item Fee - (Fee for each returned item) This fee applies to returned non-sufficient funds items created by check or other electronic means: $3000 Safe Deposit Box Lockbox Drilling: Amt equal to locksmith charge $12500 min Statement Copy or Printout: Each copy $500 Each item $100 Statement Hold - Per cycle: $500 Statement Special Cycle Cut Off : $500, each item $100 Stop Payment - Check or ACH: $3000 Stop Payment Debit Card: Card Replacement $1000 Telephone Transfer : No Charge Temporary Checks: Per page of 4 checks $400 Safe Deposit Box 3 x 5: x 5: x 10: x 10: x 10: x 10: x 11: Wire Transfers Regular Outgoing (USA): $2200 Page 8 of 23

9 Repetitive Outgoing: $1200 Online Outgoing: $1200 Incoming - Customer: $700 Incoming - Non-customer ($1,00000 maximum with a valid goverment issued photo ID): $2500 International Outgoing: $5250 International Incoming: $700 : Commercial & Small Business Account Analysis Processing Services Account Maintenance: 1200 Checks: 12 Credits (ACH): 04 Credits (Paper): 35 Debits (ACH): 04 Deposit Items: 09 Insurance and Regulation Fee (based on monthly average): 125 per $1000 Return Checks (deposit items): 400 Rolled Coin: 10 Strapped Bills: 35 - Balances Available for Services (Investable Balance): : This is the average positive collected balance less any reserves This balance is used to calculate the earnings credit amount - Earnings Credit Rate: Rate applied to investable balance Rates are tiered based on account balances - Reserve Requirement : 10 % - Uncollected Funds Rate: Rate applied to average negative collected balance is 18% APR - Premier Business Checking: Monthly interest paid will be a charge to the analysis calculation ACH Debit Filter Fee: 1000 ACH Debit Filter Changes: 500 ACH Origination Per File: 1000 ACH Origination Per Item: 10 ACH Origination Per Charge Back: 400 Business Online w/ Cash Management: 4500 per month Business Online Bill Pay: 1000 per month CD Publishing- Annual CD : 3500 CD Publishing - Monthly or Quarterly CD: 3500 Currency Transaction Report: 1000 FED EDI Monthly Fee: 2000 Federated Cash Sweep Account: International Deposited Item: 500 Large Cash Orders (per $1,000): 50 Lock Box Accounts Receivable Service - Monthly Processing Charge: Lock Box Accounts Receivable Service - Per Check Transaction Charge: 35 Lock Box Accounts Receivable Service - Minimum Monthly Lock Box Charge: Money Service Business : Positive Pay - Monthly Fee: 1000 Positive Pay - Valid un-transmitted (per item): 100 Smart Deposit (Remote Deposit Capture): TBA/ZBA Monthly Fee Sub Acct: 500 Two Signatures Required on Acct (per month): 1000 FUNDS AVAILABILITY POLICY DISCLOSURE YOUR ABILITY TO WITHDRAW FUNDS AT SOUTHSIDE BANK Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit However, funds from electronic direct deposits will be available on the day we receive the deposit Once the funds are available, you can withdraw them in cash and/or we will use them to pay checks that you have written For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays We have different deposit cut-off hours for different locations Our cut-off hours are as follows: 4:00 pm Funds deposited in the Bank's non-imaged automated teller machines (ATMs) 11:30 pm Funds deposited in the Bank's ATMPlus image enabled automated teller machines (ATMs) 7:00 pm Funds deposited at a branch location before 7:00 pm on a business day that we are open, we will consider that day to be the day of your deposit However, if you make a deposit after 7:00 pm or on a day we are not open, we will consider that the deposit was made on the next business day we are open If you make a deposit before our cut-off hour on a business day that we are open, we will consider that day to be the day of your deposit However, if you make a deposit after our cut-off hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open Reservation of Right to Hold In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit The first $200 of your deposit, however, may be available on the first business day after the day of your deposit If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit We will also tell you when the funds will be available If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the business day after we receive your deposit If you need the funds from a deposit right away, you should ask us when the funds will be available Longer Delays May Apply We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons: * You deposit checks totaling more than $5,000 on any one day * You redeposit a check that has been returned unpaid * You have overdrawn your account repeatedly in the last six months * We believe a check you deposit will not be paid Page 9 of 23

10 * There is an emergency, such as failure of computer or communications equipment We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available They will generally be available no later than the seventh business day after the day of your deposit Special Rules For New Accounts open: If you are a new customer, the following special rules may apply during the first 30 days your account is Funds from electronic direct deposits to your account will be available on the day we receive the deposit Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions For example, the checks must be payable to you The excess over $5,000 will be available on the ninth business day after the day of your deposit If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit DEPOSITS AT AUTOMATED TELLER MACHINES Funds deposited in the Bank's non-imaged automated teller machines (ATMs) before 4:00 pm on a business day that we are open, we will consider that day to be the day of your deposit If you make a deposit at the ATM after 4:00 pm or on a day we are not open, we will consider that the deposit was made on the next business day that we are open Funds deposited in the Bank's ATMPlus image-enabled automated teller machines (ATMs) before 11:30 pm on a business day that we are open, we will consider that day to be the day of your deposit If you make a deposit at the ATM after 11:30 pm or on a day we are not open, we will consider that the deposit was made on the next business day that we are open IMPORTANT INFORMATION TO REMEMBER Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services Electronic funds transfers are electronically initiated transfers of money involving an account at the Financial Institution The following disclosures set forth your and our rights and responsibilities concerning the electronic funds transfers In this Agreement, the words "you" and "your" mean those who sign as applicants or any authorized user(s) The words "we", "us" and "our" mean the Financial Institution The abbreviation "PIN" or word "code" means a personal identification number Electronic Banker / Mobile Banking In accordance with your decision to utilize the Bank's Electronic Banker / Mobile Banking product, you agree and understand that upon your written acceptance of this Agreement and the completion of the Customer Information Sheet, the Bank will provide you with access to Electronic Banker / Mobile Banking Electronic Banker / Mobile Banking is not a product belonging to the Bank but is, instead, a third party service which has been made available to the customers of Southside Bank if they elect to accept such service Such service will provide you with information and data relative to your bank statements and your accounts at the Bank and, should you elect, such program may also permit you to initiate certain transfers in and from your accounts The Bank has no proprietary control over the products and, therefore, cannot and will not guarantee its performance or suitability The services may be automatically terminated without notice if not used for 180 consecutive days Types of Transactions: You may access certain account(s) you maintain with us by computer using your assigned user ID and password by accessing the online banking service You may use the online banking service to perform the following functions: * Transfer funds between eligible accounts * Obtain balance information on eligible accounts * Review transactions on eligible accounts * Make loan payments * Stop payment requests * Obtain copy of statement * Order checks * You may access your account(s) via your browser based mobile device, using the same User ID and Password required for Southside's online banking service Limitations on Frequency and Amount: * Federal law limits transfers from a savings or Advantage Investment account to another account or to third parties by preauthorized, automatic, telephone, computer transfer (including bill payment), check, draft, point of sale (POS), debit card or similar order to six per statement cycle (of at least four weeks) Fees and Charges for Online Service: * There is no charge for banking online with us Text Banking Text Banking allows you to receive balances, limited transaction history information and submit internal funds transfer via text message on your mobile device Types of Transactions: You may access certain account(s) you maintain with us by computer using your assigned user ID and password by accessing the online banking service You may use the online banking service to perform the following functions: * Transfer funds between eligible accounts * Obtain balance information on eligible accounts * Review transactions on eligible accounts Limitations on Frequency and Amount: * Federal law limits transfers from a savings or Advantage Investment account to another account or to third parties by preauthorized, Page 10 of 23