Your Guide to the bank of you.

Your Guide to the bank of you. BANKING UPGRADE September 11-13, 2015 Important Information Inside Member FDIC Member DIF

Your CNB Team, a division of bankesb... Top row L to R: Jennifer Lalumiere, George Dimopoulos, Matt Sosik, President & CEO; Monique Mailloux, Bottom row L to R: Maria Thomas, Erica Gomes, Jo-Ann Chenail You will still see the same familiar faces you know and enjoy the same great service you expect. All locations will remain open for the upgrade on September 11-13 during normal banking business hours. For your convenience, your current account numbers will not change. You may also continue using your current CNB ATMs and your current checks as well as ATM and Debit Cards.

Dear Valued Customer: I would like to welcome you to CNB, a division of bankesb, also known as Easthampton Savings Bank. On July 1, 2015, we successfully completed the acquisition of The Citizens National Bank. As your new financial institution, our goal is to ensure that you experience a smooth transition. The information in this booklet and enclosed Disclosure Guide will introduce you to the features and benefits of your CNB accounts. This booklet is designed for your ease of use. Each section refers to an area of specific interest. As a bankesb customer, all your CNB deposits are fully insured. You ll find banking solutions that include cutting-edge Mobile Banking Technology, a Virtual Branch and the highest level of Security to protect you. As a result, you can bank securely whenever and wherever you want. Simply put, bankesb invests in what matters most, the Customer Experience. For access to all the tools available in your new banking upgrade, you will be asked to establish new Online and Telephone Banking credentials (see pages 12 & 14 for personal and page 18 for business). Thank you for your patience during this process and please do not hesitate to call our Customer Care Center at 1.855.527.4111 with any questions or concerns. We are here to help! Thank you for your continued loyalty and patience as we work toward bringing you a new and improved suite of products. Sincerely, Matthew Sosik President & CEO 1

Banking Upgrade Contents Important Dates & Information 3 Frequently Asked Questions (FAQs) 6 Personal Account Transition Information 9 Checking Savings ebanking Business Account Transition Information 15 Checking Savings ebanking Fee Schedule 19 Locations & Hours 21 For questions, call Customer Care 1.855.527.4111, visit us online at bankesb.com or cnbct.com or any one of our branches in Putnam, Thompson, Woodstock, Killingly and Brooklyn during normal business hours. 2

Important Dates & Information Important Dates & Account Details Mark your calendars with these important dates. You can also refer to the following pages detailing specific information. All CNB branches will be open regular hours during the banking upgrade. See page 21 for hours. Prior to September 11, 2015: Continue to use your convenient CNB banking services as you always have. Friday, September 11, 2015 As of 1:00 PM, Online Banking & PowerPay service will be available for inquiry only throughout the weekend at cnbct.com. All previously scheduled and recurring transfers and payments will process without interruption. Your payees and scheduled bill payments will be carried over to the new system. Your PowerPay bill pay history will be available to view for inquiry for the next 60 days at cnbct.com. As of 5:00 PM, 24-HR Touchtone Banking will be unavailable throughout the weekend. MONDAY, September 14, 2015 The banking upgrade will be complete. Your current account numbers will not change. You may continue using CNB ATMs and your current checks as well as ATM and Debit Cards with the same PIN. Your new CNB Online Banking/Mobile Banking, Bill Pay and Telephone Banking service will be available for use. New website for Online Banking access: bankesb.com New phone number for Telephone Banking: 1.877.ESB.24HR (372.2447) CNB Online Banking and Bill Pay available at bankesb.com. The first time you login, you will be required to establish a new password and security information. See page 12 for Personal login instructions and page 18 for Business login instructions. Continued on page 4 3

Important Dates & Information MONDAY, September 14, 2015 (continued) Telephone Banking Service available at 1.877.ESB.24HR (372.2447). The first time you dial in you will be required to establish a new password and security information. Refer to page 14 for instructions. Mobile Banking featuring Mobile Check Deposit and Fast Balances. Download your new bankesb mobile application after you have established your online banking User ID and selected your new password. See page 12 for instructions. After Banking Upgrade Important information to prevent overdraft. Previously, you were able to make deposits up until 5:00 PM to cover items that may have put your account into the negative throughout the day. Due to changes in processing this option will no longer be available. Your current Bounce Protection will convert to Overdraft Privilege with a limit of $750 for personal checking and $2,000 for business checking accounts. See our enclosed Disclosure Guide for details. Important information regarding your loan. The terms and conditions of your loan including the interest rate and payment due date will remain the same as expressed in your loan agreements. You will begin to receive a monthly loan billing statement after the upgrade. For your convenience, an envelope will be provided for your payment. The new address for payment is: Easthampton Savings Bank P.O. Box 351 Easthampton, MA 01027 Important information regarding fees. There will be new account fees, the majority of them for the better. See page 19 for fee changes and information. 4

Important Dates & Information DIF Insurance: The CNB partnership with bankesb also welcomes you into the Depositors Insurance Fund (DIF). Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the DIF. The combination of FDIC and DIF insurance provides customers of CNB, a division of bankesb, with full deposit insurance on all their deposit accounts. No depositor has ever lost a penny in a bank insured by both the FDIC and the DIF. Questions or Assistance Call our Customer Care Center during normal business hours at 1.855.527.4111. Should you need assistance throughout the banking upgrade weekend of September 11-13, 2015, we will have extended hours. 5

Frequently Asked Questions (FAQs) Account Services FAQs Will my account numbers change? No. Account numbers will remain the same. Can I continue to use my current checks after the upgrade? Yes. You can continue to use your checks for any accounts that have checks. Can I continue to use my current ATM/Debit Card after the upgrade? Yes. You can continue to use your ATM/Debit Card with the same PIN. When will I receive my last The Citizens National Bank statement? Your last The Citizens National Bank statement will be issued to you as it normally is in August. Your final statement will be printed on Friday, September 11, 2015 and will cover the period from your August statement through September 11th. When will I receive my first new statement? Your first new statement will be printed on Wednesday, September 30, 2015 and continue on the month s end thereafter. Your interest will be credited at the month s end. If your account receives a monthly service charge, we will waive your September monthly service charges. Will my direct deposit, recurring transfers & automatic deductions continue? Yes. Your account number is not changing so direct deposit, recurring transfers and automatic deductions will continue as normal. Will Bounce Protection for my personal checking account continue? Yes. Our program is called Overdraft Privilege. Your new limit is now $750. See our enclosed Disclosure Guide for details. Is there Overdraft Privilege for business checking accounts? Yes. We will now be offering Overdraft Privilege with a limit of $2,000 for business checking accounts. See our enclosed Disclosure Guide for details. Will my account fees change? Yes. Some fees will change after the upgrade, the majority of them for the better. Please see page 19 for fee changes and information. 6

Frequently Asked Questions (FAQs) Deposit FAQs Will my deposits continue to be insured? Yes. In addition to the FDIC coverage of up to $250,000, your deposits will now be insured by the Depositors Insurance Fund (DIF). This insurance covers you in full for any deposit amount over the $250,000 providing you with full insurance on all deposits. Will the terms and conditions of my Certificate of Deposit (CD) change? The terms and conditions of your existing certificate of deposit (CD) will remain the same until maturity. At maturity when your certificate renews, a change in terms and conditions will apply (see page 9). General FAQs Will CNB offices remain open? Yes. All CNB offices will remain open with the same hours and same familiar faces you are used to seeing with the personal service you expect. How do I access my telephone banking? You can call 1.877.ESB.24HR (372.2447) for access. Will my login information change for telephone banking? The first time you call after September 14, 2015 you will be prompted to re-enroll. Press 1 to access your accounts Select the account type, enter your account number and when prompted for your PIN, simply enter the last 4 digits of your Social Security number to get started You may then use your previous PIN What will change with telephone banking? You will no longer be able to make a loan payment, re-order checks, get line of credit information or be able to hear upcoming pending transactions. For loan payments, use our online system at bankesb.com, visit any branch or mail them in. To re-order checks or for a listing of rates or hours & locations, visit bankesb.com. 7

Frequently Asked Questions (FAQs) Will my online banking access change? Your user ID will remain the same. Your temporary password is the last 5 digits of your Social Security number and your 5-digit zip code. You will be prompted to set up a new password and to establish challenge questions and a personal image for security purposes. Be advised the first personal image you see may not be the one you previously chose. Will there be any changes to my Online Bill Pay? Your payees and scheduled bill payments will be retained. Your Bill Pay history will not be retained; however, your Banking Profile will be available for inquiry for the next 60 days at cnbct.com. Will my loan payment and terms change? The terms and conditions of your loan including the interest rate and payment due date will remain the same as expressed in your loan agreements. How do I pay my loan? You will begin to receive a monthly billing statement after September 14, 2015. For your convenience, an envelope will be provided for your payment. The new address for payment will be: Easthampton Savings Bank P.O. Box 351 Easthampton, MA 01027 Your Automatic Loan Payments will continue to be processed as they are now or you can continue to pay through our online system at bankesb.com, at any one of our convenient locations or mail them in. Should I continue to use my coupon book? If you are currently paying with a coupon book, you will begin to receive a monthly billing statement after Monday, September 14, 2015. For your convenience an envelope will be provided for your payment. 8

Personal Account Transition Information Your CNB accounts will automatically transition to the following accounts on Monday, September 14, 2015. This section will advise you of changes to your account due to the transition. For complete terms and conditions, please refer to the enclosed disclosures. You can also visit bankesb.com. All Checking Accounts Come With These Convenient Services For your convenience, all of your bankesb Personal Checking accounts offer these great benefits FREE of charge: Debit Card (Instant Issue Available) bankesb Mobile App with Mobile Deposit Online Statements Direct Deposit Online Banking and Bill Pay ATMs/Debit Cards You can continue to use your CNB ATM/Debit Card as well as CNB ATMs with your same PIN (for locations see page 21). As an added benefit, your debit card transaction limits have increased: Consumer Debit Limit $500 cash, $2,500 (Point-of-Sale) POS ATM Limit $500 cash, $500 POS 24-Hour Telephone Banking Access 1.877.ESB.24HR (372.2447) Check Writing With No Per-Check Fees Certificate of Deposit The terms and conditions of your existing certificate of deposit (CD) will remain the same until maturity. At maturity when your certificate renews, the following change in terms and conditions will apply: Your certificate will automatically renew for the same term, except the 3-Month IRA, 9-Month IRA and 9-Month CD. These will automatically renew for a 6-Month term IRA certificate of deposits allow additional deposits only at maturity during the 10 day grace period Interest on your certificate of deposit will be paid on the last business day of the month Interest penalties for closing your certificate of deposit before maturity vary depending on the term of the certificate. CDs with a maturity date of: - Less than one (1) year will forfeit three (3) months of interest - More than one (1) year will forfeit six (6) months of interest 9

Personal Banking Checking Personal Checking Accounts If your CNB Account is: Your New Account will be: Simply Free Checking Basic Banking Check N Save The Edge* Eagle Checking* Freedom Checking Just Checking Personal Checking BASIC CHECKING No Minimum Balance Requirement No Monthly Service Charge Senior Checking* Student Checking** BASIC CHECKING (For ages under 18 and over 65) No Minimum Balance Requirement No Monthly Service Charge Checking Five-O* Easy Interest Checking VIP Interest Checking* Personal NOW PREMIER CHECKING Earns Tiered Interest No Minimum Balance Requirement No Monthly Service Charge E-Checking Get Real CHECKING Free Unlimited POS Transactions Refund of ATM Charges Nationwide*** No Minimum Balance Requirement No Monthly Service Charge * Existing customers using these products will continue to receive free checks. ** Existing customers using this product will begin to receive free checks until the age of 19. *** Other bank ATM surcharge fees that are charged to the account during current statement cycle will be refunded on the last business day of the current statement cycle. Not responsible for surcharges or fees imposed by banks, ATM operator and/or networks outside the continental United States, Alaska, Hawaii or U.S. Territories. Accounts closed or changed to another product during statement cycle will not receive a refund of other bank s ATM surcharges. 10

Personal Banking Savings Savings & Money Market Accounts If your CNB Account is: Your New Account will be: Passbook Savings Statement Savings ATS Statement Savings Freedom Savings Christmas Club (Auto or Coupon) Vacation Club (Auto or Coupon) Clicker Club Eagle Premier Money Market Eagle Elite Money Market PASSBOOK SAVINGS Earns Interest $2 monthly service charge waived with minimum daily balance of $100 STATEMENT SAVINGS Earns Interest $2 monthly service charge waived with minimum daily balance of $100 GET REAL SAVINGS Earns Interest No Minimum Balance Requirement No Monthly Service Charge CHRISTMAS/VACATION CLUB Checks for Christmas Clubs are mailed by October 14th Checks for Vacation Clubs are mailed by April 14th CLICKER CLUB No Changes TIERED MONEY MARKET Earns Interest $6 monthly service charge waived with minimum daily balance of $500 11

Personal Banking ebanking Online/Mobile Banking & Bill Pay You can do all your banking 24 hours a day, 7 days a week with bankesb Online & Mobile Banking. You have immediate access to account information and bill paying capability anywhere, anytime. Reminder: As of 1:00 PM on Friday, September 11, 2015, Online Banking & PowerPay service will be available for inquiry only throughout the weekend at cnbct.com. All previously scheduled and recurring transfers and payments will process without interruption. FRIDAY, SEPTEMBER 11, 2015: For your convenience, we will extend inquiry only access to your old cnbct.com Online Banking & PowerPay service for 60 days following the banking upgrade. You may use this service to print and save an electronic copy of your online and bill payment history and estatement records. The Login Process: Starting September 14, 2015 (you will need to establish your Online Banking profile before you can access bankesb Mobile) 1. Visit bankesb.com/login/ and enter your same user ID 2. Your temporary password is the last 5 digits of your Social Security number and your 5-digit zip code 3. Read and accept the disclosure 4. Establish challenge questions 5. Select a personal image for security purposes be advised you will be presented with an unfamiliar random personal image and will need to select a new one 6. You will be prompted to change your password 7. Once you are logged into Online Banking with your new credentials, you can log into bankesb Mobile Banking just search the Google Play or the App store to download the mobile app and delete your old CNB Mobile app 12

Personal Banking ebanking Your New bankesb Online/Mobile Banking & Bill Pay Benefits Now you will have access to many new electronic and mobile banking features for added convenience. Starting Monday, September 14, 2015 You Can: Make Bank to Bank Transfers Deactivate/Reactivate Your Debit Card (to help prevent fraud) Provide Notification of Travel Plans (we monitor transactions to protect you against fraud) Update/Change Contact Information View Pending Transactions Make a Mobile Check Deposit (download new bankesb Mobile app) Utilize Quicken (or other Financial Management Programs) Get Balances at a glance with the Fast Balances Mobile feature Starting Monday, September 14, 2015, You Will No Longer Be Able To: View Bill Payment Check Copies Online* View/Print Deposit Slip Image* See Online Bill Payments show up as a Check. They will now show up as a Debit (your Online Bill Payments will be automatically debited) Have Overdraft Protection as part of your available balance (this includes Bounce Protection, Overdraft Line of Credit or Linked Savings Account Balances) see our Overdraft Protection disclosure in the enclosed Disclosures Guide Use Text Banking (instead, use the bankesb Fast Balances feature and Real-Time Alerts to keep your account in check) IMPORTANT NEW INFORMATION ABOUT BILL PAYMENTS After Monday, September 14, 2015, scheduled bill payments can be cancelled up to midnight the night prior to the scheduled date. Funds are debited by 9:00 AM on the next business day. Immediate, one-time bill payments will be withdrawn from your account instantly and cannot be cancelled or stopped. The cutoff time to send these payments is 12:00 PM on the scheduled day. Any payments scheduled after 12:00 PM, will be processed on the next business day. Funds are debited immediately. * You can request a copy from Customer Care 1.855.527.4111 13

Personal Banking ebanking bankesb Mobile Banking Once you establish an Online Banking profile at bankesb.com, you can download the bankesb Mobile app. Visit Google Play or the App Store to download bankesb s Mobile Banking app for Android TM or iphones. bankesb Mobile Features Include: Fast Balances feature Get your balances at a glance bankesb Mobile Check Deposit Pay bills Activate or deactivate your ATM/Debit Card Check the balance and history on your accounts Transfer money between your accounts Locate ATM s and Branches from anywhere It s FREE! You can use bankesb Mobile for no charge, although your wireless provider s messaging and data rates may apply. Available for Android, iphone and other web enabled devices. Telephone Banking Call 1.877.ESB.24HR (372.2447). For loan payments, use our online system at bankesb.com, visit any branch or mail them in. To re-order checks or for a listing of rates or hours & locations, visit bankesb.com. You can also see CNB locations on page 21. The first time you call after September 14, 2015 you will be prompted to re-enroll. Press 1 to access your accounts Select the account type, enter your account number and when prompted for your PIN, simply enter the last 4 digits of your Social Security number to get started You may then use your previous PIN 14

Business Account Transition Information Your CNB accounts will automatically transition to the following accounts on Monday, September 14, 2015. This section will advise you of changes to your account due to the transition. For complete term and conditions, please refer to the enclosed disclosures. You can also visit bankesb.com. All Business Checking Accounts Come With These Convenient Services For your convenience, all of your bankesb Business Checking accounts offer these great benefits FREE of charge: Business Debit Card Coin & Currency Night Deposit Service 24-Hour Telephone Banking Access Custom ESBriefcase Online Banking 1.877.ESB.24HR (372.2447) and Bill Pay with Mobile Banking Services For additional information, please call Customer Care at 1.855.527.4111 ATMs and ATM/Debit Card You can continue to use your CNB ATM/Debit Card as well as CNB ATMs with your same PIN (for locations see page 21). As an added benefit, your debit card transaction limits have increased: Business Debit Limit $500 cash, $2,500 (Point of Sale) POS. 15

Business Banking Checking Business Checking Accounts If your CNB Account is: Your New Account will be: Simply Free Business Easy Checking Non-Profit Checking BASIC BUSINESS CHECKING No Minimum Balance Requirement No Monthly Service Charge No Per Check Charges Business Interest Checking Business NOW Super NOW Account Lawyer s Trust NOW Commercial Checking Small Business Checking Realtors Trust NOW PREMIER BUSINESS CHECKING Earns Interest No Minimum Balance Requirement No Monthly Service Charge No Per Check Charges Interest on Lawyer s Trust Account (IOLTA) $6 handling fee Interest earned minus the $6 handling fee is submitted to The Connecticut Bar Foundation NO CHANGES Commercial Checking Small Business Checking Realtors Trust NOW 16

Business Banking Savings Savings & Money Market Accounts If your CNB Account is: Your New Account will be: ATS Statement Savings (Business) Statement Savings (Business) BUSINESS MONEY MARKET Earns Interest $6 monthly service charge waived with minimum daily balance of $500 Business Banking ebanking Business Electronic Banking Beginning Monday, September 14, 2015, all the tools you need to manage your Business Finances will be available through ESBriefcase Business Online Banking. This service is designed to help you manage your cash flow simply and securely, whenever and from wherever through any computer or mobile device. It can be tailored to meet your business needs. You can even designate employees to have full or partial access. Reminder: As of 1:00 PM on Friday, September 11, 2015, Online Banking & PowerPay will be available for inquiry only for the next 60 days at cnbct.com. All previously scheduled & recurring transfers and payments will process without interruption. On first login after the upgrade is complete on Monday, September 14, 2015, visit bankesb. com/login/. Use the Business login with the same User ID. Click First- Time User to get a Temporary Secure Access Code (TAC) sent to your telephone so you can login and reset your password. See page 18 for complete Business login instructions. 17

Business Banking ebanking The Login Process: Starting Monday, September 14, 2015 1. Visit bankesb.com/login/ and use the Business login with your same User ID 2. Click First Time User 3. Get Temporary Secure Access Code (TAC) sent to the telephone number that you choose 4. Enter the TAC once you ve received it 5. Read and accept the disclosure 6. Update your profile 7. Change your password, you may reuse your PIN 8. The 2 nd time you login you will receive another TAC 9. Choose Activate Browser ESBriefcase Mobile Banking Services You will have mobile access for your Online Business Banking. There is a mobile browser so you do not need a mobile application to use ESBriefcase Business Banking. Additional Business Services You will now have the availability of wire transfers and these additional services: Automated Payroll Service Payroll Direct Deposit Federal Tax Deposits Merchant Charge Card Services Wire Transfers 18

Fee Schedule Fee Changes Current Fee New Fee Abandoned Property... $0.00...$25.00 Automatic Transfer Fee... $3.00... $5.00 Treasurer s/bank Check... $4.50... $5.00 (first two free per month from account) Check Copy... $2.75... $1.00 Account Inactivity Fee (per month)*... $7.00... $10.00 Foreign Currency-Exchange... $18.00... $8.00 Foreign Currency-Purchase... $18.00... $15.00 IRA Transfer Fee... $0.00... $25.00 Tax Levy... $75.00... $40.00 Other Attachments... $0.00... $25.00 Lost Safe Deposit Box Key... $35.00... $25.00 Personal Account Closed within 6 months... $0.00... $10.00 Items Presented Against Insufficient Funds (Overdrafts)**. $29.50... $32.00 Lost Passbook... $13.50... $10.00 Photocopies, per page... $0.35... $0.15 Account Research, per hour (minimum 1 hour)... $28.00... $25.00 Returned Deposited Item... $7.00... $5.50 Interim Statement... $8.25... $5.00 Stop Payment... $21.00... $25.00 Wire Transfers: Incoming International Wire... $0.00... $5.00 Incoming Domestic Wire... $11.50... $5.00 Outgoing Domestic Wire... $17.50... $20.00 (foreign & special wire services subject to additional pricing) Continued on page 20 * Applies to checking and savings accounts with balances of $1,000 or less that have no customer initiated activity for 12 consecutive months. ** Overdraft fees are imposed for overdrafts created by checks, in-person withdrawals, point of sale or by other electronic means. 19

Fee Schedule Fees That Are Going Away Current Fee New Fee Account Activity Printout... $3.00... $0.00 Account Balancing, per hour... $32.00... $0.00 Additional Night Vault Key... $2.50... $0.00 Coin Counting-Assisted... 5% of total... $0.00 Collection, Incoming Or Outgoing... $22.00... $0.00 Counter Checks (4)... $2.00... $0.00 EDI Reporting Service... $25.00... $0.00 Fax Transmission, per page... $3.00... $0.00 Phone-Assisted: Balance Inquiry... $1.75... $0.00 Telephone Transfer... $5.75... $0.00 Returned/Hold Mail Fee... $5.00... $0.00 For questions, call Customer Care 1.855.527.4111, visit us online at bankesb.com or cnbct.com or any one of our branches in Putnam, Thompson, Woodstock, Killingly and Brooklyn during normal business hours. 20

Locations & Hours In Connecticut: Customer Care 1.855.527.4111 Hours For All Offices: Lobby Mon Fri Sat 9:00 AM to 5:00 PM 9:00 AM to Noon Drive-Up Mon Fri Sat 8:00 AM to 5:00 PM 8:00 AM to Noon ATMs 24-Hour Drive Up Putnam Office 182 Main Street Putnam, CT 06260 Thompson Office 835 Riverside Drive N. Grosvenordale, CT 06255 Killingly Office 3 Central Street Danielson, CT 06239 Brooklyn Office 13 Canterbury Road Brooklyn, CT 06234 Woodstock Office 148 Route 171 Woodstock, CT 06281 21

cnbct.com 1.855.527.4111 Member FDIC Member DIF