TRUTH IN SAVINGS DISCLOSURE

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TRUTH IN SAVINGS DISCLOSURE Money Market Demand Account Rate Information The interest rate and annual percentage yield can be found on the Account Rate disclosure.

1 TRUTH IN SAVINGS DISCLOSURE Money Market Demand Account Rate Information The interest rate and annual percentage yield can be found on the Account Rate disclosure. If you would like more current rate and yield information please call during regular business hours at (570) The interest rates and annual percentage yield may change daily. Compounding Frequency Interest will be compounded monthly. Crediting Frequency Interest will be credited to the account monthly. Daily Balance Computation Method Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of Interest on Noncash Deposits Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account. Minimum Balance to Open The minimum balance required to open this account is $2, Minimum Balance to Obtain the Disclosed You must maintain a minimum daily balance of $0.01 in your account each day to obtain the disclosed annual percentage yield. Minimum Balance to Avoid a Fee If your balance falls below, your account will be subject to a $10.00 Minimum Balance Requirement for that statement cycle. Deposit Limitations You may make an unlimited number of deposits into your account. Limitations on frequency of transfers During any calendar month or statement cycle of at least four weeks, 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, PC/Online Banking transfer, or telephone order or instruction. Nor more than six transfers may be made by ACH debit, check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution. Additional Terms Additional Fees and Limitations may apply; please refer to our Deposit Account Common Features and Service Charge Schedule to review your specific account's limitations and applicable fees including: $10.00 Excess Debit Fee will be charged for each DEBIT in excess of three during a statement cycle. (DEBITS are defined as: Over-the-counter withdrawals, ACH/Automated Clearing House, Telephone Transfers, Online & Mobile Banking Transfers and ATM Withdrawals.

DEPOSIT ACCOUNT COMMON FEATURES AND SERVICE CHARGE SCHEDULE CONSUMER CHECKING FREEdom Electronic Statements REQUIRED or $5.00 monthly fee CONSUMER SAVINGS Junior Banker & Minor Accounts $5.

2 DEPOSIT ACCOUNT COMMON FEATURES AND SERVICE CHARGE SCHEDULE CONSUMER CHECKING FREEdom Electronic Statements REQUIRED or $5.00 monthly fee CONSUMER SAVINGS Junior Banker & Minor Accounts $5.00 minimum deposit to open account $1.00 fee will be charged for each DEBIT in excess of three during a statement cycle. (DEBITS are defined as: Over-the-counter withdrawals, ACH/Automated Clearing House, Telephone Transfers, Online & Mobile Banking Transfers and ATM Withdrawals Liberty $.50 Per Check Fee for each check over 10 per statement cycle $2.95 monthly Account Value Charge Eagle Advantage $300 minimum balance requirement to avoid fees $8.00 Minimum Balance Fee if balance falls below $300 on any day in the statement cycle $2.95 monthly Account Value Charge Good Neighbors Club Must be 50 years of age or older $500 minimum daily balance to obtain the disclosed $1.95 monthly Account Value Charge Good Neighbors Club checks included Statement Savings $ minimum balance requirement to avoid fees $5.00 Minimum Balance Fee if balance falls below $100 on any day in the statement cycle $1.00 Excess Debit Fee will be charged for each DEBIT in excess of three during a statement cycle. (DEBITS are defined as: Over-the-counter withdrawals, ACH/Automated Clearing House, Telephone Transfers, Online & Mobile Banking Transfers and ATM Withdrawals. Money Market Demand Account $2, minimum deposit to open account $10.00 Maintenance Fee if balance falls below $10.00 Excess Debit Fee will be charged for each DEBIT in excess of six during a statement cycle. (DEBITS are defined as: Checks, ACH/Automated Clearing House, POS/Point of Sale, Telephone Transfer, Online & Mobile Banking Transfers and ATM Withdrawals Market Share Investment Account $25,000 minimum deposit to open account $5.00 Maintenance Fee if balance falls below $20.00 Excess Withdrawal Fee will be charged for any withdrawal/debit in excess of ONE (1) by check, Online & Mobile Banking transfer, or telephone transfer during a calendar quarter. ONLY the monthly compounded interest may be withdrawn on a recurring basis without penalty Club Accounts $2.00 minimum balance to obtain the disclosed annual percentage yield. $10.00 Early Closing Fee if account is closed before the disbursement date. 1 free withdrawal; $10.00 for each additional withdrawal (no limit)

3 BUSINESS CHECKING Business Advantage $2,500 minimum daily balance to obtain the disclosed $0.15 Per Check Fee if certain Balance Ranges are not maintained. Electronic items (ACH, ATM and Online Banking transactions are not included in the check item count). If you maintain an Average Monthly Balance of $10,000 or greater in your account to avoid Monthly Transaction Fees. If you maintain an Average Monthly Balance of $2,500 to $9,999, you will incur a Transaction Fee of $0.15 per check if you exceed 100 per statement cycle If you maintain an Average Monthly Balance of $0.00 to $2,499, you will incur a Transaction Fee of $0.15 per check if you exceed 50 per statement cycle You may make unlimited number of deposits into your account BUSINESS SAVINGS Business Main Street Savings $100 minimum balance required to avoid fees You may make an unlimited number of deposits into your account. $1.00 Excess Debit Fee will be charged for each DEBIT in excess of three during a statement cycle. (DEBITS are defined as: Over-the-counter withdrawals, ACH/Automated Clearing House, Telephone Transfers, PC/Online Banking Transfers and ATM Withdrawals) Business Market Share Investment Account $25,000 minimum deposit to open account $5.00 Maintenance Fee if balance falls below $20.00 Excess Withdrawal Fee will be charged for any withdrawal/debt in excess of ONE (1) by check, PC/Online Banking transfer, or telephone transfer during a calendar quarter. ONLY the monthly compounded interest may be withdrawn on a recurring basis without penalty Business Money Market Demand Account $2, minimum deposit to open account $10.00 Maintenance Fee if balance falls below $10.00 Excess Debit Fee will be charged for each DEBIT in excess of six during a statement cycle. (DEBITS are defined as: Checks, ACH/Automated Clearing House, P.O.S./Point of Sale, Telephone Transfer, PC/Online Banking Transfers and ATM Withdrawals The following fees may be assessed against your account, and the following transaction limitations, if any, apply to your account: ATM Replace each lost or stolen DEBIT or ATM card (This fee is wavied when fraud is involved) $10.00 Replace damaged or captured DEBIT or ATM card $1.00 Request additional DEBIT or ATM card using exsiting PIN $1.00 Request additional DEBIT or ATM card with different PIN $5.00 Foreign Deposit/Withdrawal ATM Transactions $1.50 per transaction Transfers made at an ATM we do not own or operate $3.00 per transfer Withdrawal Limits: You may not withdraw more than $ in cash from your account(s) per day with your DEBIT or ATM card. Overall DEBIT limit is $ per day of which no more than $ in cash can be withdrawn per day.

4 Check Printing Deposit/Withdrawal Tickets Records Research CHECKING ACOUNTS Varies by style and quantity Current Pricing $20.00 per hour (1 hour minimum) Counter Checks (GNC customers are exempt, but make sure an order was placed for printed checks). $0.50 Treasurer s Check (customers only 9/26/03) $10.00 Money Order (9/26/03 - not available to non-customers ) (5/31/13 - $1,000 MAXIMUM AMOUNT) $5.00 Transfer to cover overdraft or pre-set balance $5.00 Dormant Account: Account is dormant if for two years there have been no deposits or $5.00 withdrawals to the account. Levies/Garnishment (effective Sept. 2010) $ Bill Payment Service (after 3-month introductory period) (Free for FREEdom and Good $4.95 per month Neighbor sclub Accounts) (7/24/12) Return Item (1/1/12) $15.00 Statement out of cycle (5/14/14) $5.00 NSF Return Check (1/11/11) $35.00 Copies of checks from microfilm $5.00 Stop Payment (Non-Recurring) (1/11/11) $35.00 Stop Payment (EFT Recurring Item) (1/11/11) $35.00 Each additional recurring item presented $15.00 Telephone Transfer (one free per statement cycle) {free through Telephone, Online & Mobile Banking} $5.00 Transcript Statement $5.00 SAVINGS ACCOUNTS Account Closing Fee (if account closed within 90 days from opening date) $10.00 Club Account closed before maturity $10.00 Club Account withdrawal fee, no limit (1 FREE withdrawal) (1/22/09) $10.00 Dormant Account: An account is dormant if for five years there have been no deposits or $5.00 withdrawals to the account. NSF Savings Withdrawal (1/11/11) $35.00 IRA Transfers out of Bank $25.00 OTHER SERVICES Cashing checks not drawn on WMSB (for non-customer) - Do not charge for On-Us Checks $10.00 Collections: In or Out $15.00 Fax Usage (Consumer) Fax Usage (Business) effective 6/15/99 $1.00 per page $3.00 Foreign Currency Order $ costs Canadian Check Fee (added 1/31/07) $10.00 per check Indemnity Bond $25.00 Night Deposit Lock Bag Fee (if a bag is needed for short term {1 wk. and the bag is returned in $10.00 per bag good condition} we will refund the fee). Photocopies $.25 each Signature Guarantee (customer only) Trust transactions will be NO CHARGE. (revised 5/1/07) $20.00 Wire Transfers (customers only): Outgoing $30.00 Incoming $15.00 Foreign $40.00 Zipper Bags: Small (available to Junior Bankers only) Free Medium $2.58 tan/$3.90 blue Large $5.25

5 SAFE DEPOSIT BOX RENT 2 x 5 $ x 5 $ x 5 $ x 5 $ ½ x 10 $ x 10 $ ¼ x 10 $ x 10 $ x 10 $70.00 Safe Deposit Box Inventory (per hour, $10.00 minimum) $20.00 Replace Lost Key $15.00 Drill Box $ costs Rental Delinquency (over 30 days) $15.00

TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS DISCLOSURE FREEdom Account Liberty Account Good Neighbors Account Rate Information The interest rate and annual percentage yield can be found on the Account Rate disclosure. If you would