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Welcome to Susquehanna Bank

Doing what counts. | TM

susquehanna.net |

Member FDIC

Products, Services & Disclosures

Please read carefully. This guide contains important information regarding your new Susquehanna Bank accounts.

Table of Contents

About Susquehanna . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Page 2 Frequently Asked Questions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Page 11 General Disclosures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Page 13 Overdraft Practices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Page 16 Customer Privacy Notice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Page 17 Fee Schedule . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Page 19 Deposit Account Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Page 21

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About Susquehanna

Relationships, Resources, Responsibility: Abington Bank Joins Susquehanna Bank.

Since 1867, Abington Bank has built a legacy of service to the people of Montgomery County and surrounding communities, helping businesses to prosper, enabling families to reach their financial goals, and supporting local arts and nonprofit organizations. We pledge to uphold this legacy as Abington Bank joins Susquehanna Bank on October 1, 2011.

The team at Abington Bank has set a high standard for customer service; it has repeatedly been voted the #1 community bank in the annual Montgomery Media Readers' Choice Awards. That's why we are excited to partner with Abington as we continue our growth in our home state of Pennsylvania. Over more than a century of banking, we've learned that this business is defined by several key elements: relationships, resources and responsibility. Much like Abington Bank, Susquehanna's story began more than a century ago when community banks were formed to serve local residents in a number of Pennsylvania towns. The banks forged enduring relationships with customers, both individuals and businesses. In many cases, they worked with the same family for generations, serving as a trusted partner to help them meet their financial goals. As the financial needs of both families and businesses became more complex, these community banks recognized that they needed access to greater resources: more capital to make loans and more locations

We believe in doing what counts.

Susquehanna customers know they can count on us to save them time, take care of their money and be there when they need us. From opening that first checking account or buying that first home, to planning for retirement -- or for any financial service in between -- we're here to help. Our relationships are built on accuracy, integrity and honesty, and we're committed to local decision-making and outstanding service.

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to satisfy the lifestyles of customers on the go. So these individual banks began j oining forces under the holding company Susquehanna Bancshares, Inc., which is h eadquartered in nearby Lancaster County. To meet the diverse needs of its customers, Susquehanna Bancshares, Inc. also added companies with specific expertise in areas such as retirement planning, investment m anagement, commercial finance and insurance. Today, consumer and business customers find that Susquehanna Bank and its affiliated c ompanies can meet almost any financial need they may have. While Susquehanna has grown, we have never lost touch with the esponsibility that r we have to each local community we serve. For most customers, their local branch is the

bank. As Abington Bank joins Susquehanna Bank, you will be able to maintain the relationships you've established in your local branch. Plus, the staff at that branch will now have access to an even greater network of r esources to put to work on your behalf. Susquehanna also continues to rely on the knowledge of local leadership for decisions on lending and support for community o rganizations. Our bankers know that they need to build and maintain enduring elationships and use r Susquehanna Bank's resources responsibly... because the people who visit our branches are not just our customers; they're also our neighbors. Welcome to Susquehanna! We are pleased to be a part of your community.

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Susquehanna at a Glance

Commercial Bank Susquehanna Bank 1570 Manheim Pike, PO Box 3300 Lancaster, PA 17604-3300 Phone: 800.311.3182 Web: www.susquehanna.net Wealth Management Stratton Management Co. 610 West Germantown Pike Suite 300 Plymouth Meeting, PA 19462 Phone: 800.578.8261 Web: www.strattonmgt.com Susquehanna Trust & Investment Co. 1570 Manheim Pike, PO Box 3300 Lancaster, PA 17604-3300 Phone: 866.468.1770 Web: www.susquehanna.net

Susquehanna Branch Location

Lycoming Luzerne Union Snyder Northumberland Schuylkill Dauphin Berks Montgomery Cumberland Lancaster Bedford Franklin Allegany Garrett Berkeley Baltimore Washington Adams Carroll Harford Atlantic Cumberland York Chester Delaware Lehigh Northampton

Valley Forge Asset Management Corp. 150 South Warner Road, PO Box 960 Valley Forge, PA 19482-0837 Phone: 610.687.6800 Web: www.vfam.com Leasing Hann Financial Service Corp. 1 Centre Drive Jamesburg, NJ 08831-1564 Phone: 609.860.9300 Web: www.hannfinancial.com Susquehanna Commercial Finance, Inc. 2 Country View Road Suite 300 Malvern, PA 19355 Phone: 800.786.0004 Web: www.susquehanna.net/scf

Insurance The Addis Group 2500 Renaissance Blvd. Suite 100 King of Prussia, PA 19406-2639 Phone: 610.945.1019 Web: www.theaddisgroup.com

Harrisburg

Philadelphia

Burlington Camden

Gloucester

Baltimore

Howard Anne Arundel

Washington D.C.

Worcester

Susquehanna Star Service

Susquehanna strives to deliver exceptional personal service to our customers every day, in every way. That's why our employees created these Star Service Commitments, which are our customers' "bill of rights" that define what you can expect in your relationship with Susquehanna.

Our commitment to you: To welcome you warmly, serve you promptly and give you our full attention. When you call or visit us, one thing you should always find is a welcoming smile and a warm greeting. What you won't find is a long wait. To understand and acknowledge the importance of your financial goals and help find the best solutions for you. Your questions, concerns and financial goals are unique. So tell us about them. The more we know about what you're trying to achieve, the more we'll be able to help. To deliver personal and professional service that makes you want to return and recommend us to friends. We believe banking is all about relationships. We strive to serve as a trusted resource, the first place you'll turn when you have a financial question. To safeguard the financial information you entrust to us. Your financial records are valuable, and we make use of the latest technology, tools and training -- as well as basic common sense -- to keep your information safe. To take personal responsibility and accountability for your relationship with Susquehanna. We value your banking relationship. It's our responsibility to respond promptly with reliable information. It's our goal to anticipate your needs and recommend the best solutions.

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Personal Banking

Use these accounts and tools to manage your everyday finances -- paying bills, accessing cash and checking account balances.

CHECKING ACCOUNTS

Relationship Checking1

An interest-earning checking account that rewards customers with discounts on many banking services for their Susquehanna banking relationship. These rewards include free safety-paper wallet-style checks or discount credit, no fee for stop payments, and a discount on the safe deposit box rental. There is no monthly service fee when the aggregated minimum daily balance requirement is met.

Free Checking2

A checking account with a lot to offer. In addition to unlimited check writing, there is no minimum daily balance requirement and no monthly service fee.

Student Checking3

Hassle-free checking designed specifically for students. There is no minimum daily balance requirement and no monthly service fee. Also students are not charged a Susquehanna Bank fee when using another bank's ATM.

Relationship Checking: Senior1

An interest-earning checking account for customers who are 55 years of age or older. Customers are rewarded with discounts on many banking services including free safetypaper wallet-style checks or discount credit, no fee for stop payments, and a discount on the safe deposit box rental. There is no monthly service fee when a qualifying direct deposit occurs.

VALUE ADDED SERVICES

FREE Visa® Check Card4

Use your check card anywhere Visa is accepted for purchases and at ATMs worldwide. It's faster and easier than writing a check and is covered by Visa's zero liability for unauthorized transactions.

1Relationship Checking: A combination of account balances or a combination of age and direct deposit are required to avoid a monthly service fee. Safe deposit box rental is subject to availability. 2 3

Free Checking: This also qualifies as a New Jersey Consumer Checking account.

Student Checking: Account holder must be enrolled in an education institution. Account converts to Free Checking after six years from date of opening and is subject to all applicable terms and conditions. Fee Refund Card: May be used to receive a refund of one bank-originated fee up to $40 for this account during the first year after account opening. Original coupon must be presented or mailed to receive refund.

4Visa's zero liability: Visa's zero liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. For additional information visit visa.com/security.

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ATM Freedom5

Enjoy unlimited use of Susquehanna Bank's network of over 250 ATMs at no charge. But if you need to use another bank's ATM, don't worry about out-of-network withdrawal fees. If your account has a balance of $2,500 or more after the ATM transaction, ATM Freedom refunds the other bank's fee up to $3. You can receive refunds on up to four non-Susquehanna Bank ATM transactions each calendar month.

Power Savings

Our Power Savings account has a tiered interest rate based on the balance you maintain.

All-Purpose club Account

You determine the frequency and amount of electronic deposits and set your own maturity date.

Youth Account

Our MegaBuck$TM Kids Account is designed for children age 12 and younger, and our Teen Depositor Account is available for young adults age 13­17.

FREE Internet Banker with Bill Payment

Internet Banker allows you virtually 24-hour access to your deposit and loan accounts, 365 days a year. View balances, transactions and account histories. Transfer funds, pay bills or set up email alerts to monitor your accounts.

Premium Money Market

Tiered interest rates with no monthly service fee when you maintain the required minimum daily balance.

FREE Mobile and Text Banking6

Safe and secure, mobile banking gives you access to Internet Banker to manage your accounts anytime, anywhere.

Indexed Money Market

Enjoy ready access to funds with a market-indexed rate based on the 13-week Treasury bill.

FREE eStatement

Fast, convenient, secure and environmentally friendly, and you eliminate filing and shredding of paper statements.

certificates of Deposit

Fixed interest rate account with choice of terms, from 7 days to 120 months. Our competitive rates and terms offer something for everyone.

Direct Deposit

Have your pay, pension or Social Security automatically deposited into your Susquehanna account.

IRA

Our variable Rate Money Market IRA has tiered interest rates, which allow additional deposits and access to your funds without an early withdrawal penalty. The IRA cD allows your preference of term, from 6 to 120 months. We offer a full range of IRA plans including Traditional, Roth and SEP. We also offer the Coverdell Educational Savings account.

Identity Protection

A comprehensive protection program designed to protect against the ever-growing threat of identity theft.

FREE Telephone Banking

Telephone banking is confidential and gives you roundthe-clock automated access to your banking information. Just call 800.311.3182.

Health Savings Account

Enables you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.

SAvIngS AccounTS

Statement Savings

Convenient access to your money and easy recordkeeping with interest credited monthly.

5ATM Freedom: ATM Freedom refunds fees on the first four non-Susquehanna Bank withdrawals per ATM/Visa Check Card per calendar month with a maximum surcharge refund of $3 per withdrawal. Account must have a minimum available balance of $2,500 after each ATM Freedom withdrawal. Other service fees, such as International Service Assessment fees, may apply. 6Mobile Banking: You will be charged access rates depending on your mobile carrier. Web access is needed to use Mobile Banking. Check with your service carrier for details on specific fees.

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LOANS/LINE OF CREDIT

Home Equity FlexLine of Credit7

This variable rate line provides convenient access to revolving credit funds. Make affordable monthly payments based on your outstanding balance or take advantage of our great term-out options to lock in all or a portion of your outstanding balance at a fixed rate and fixed monthly payment.

Auto Loan

Have your eye on a new or used vehicle? Our terms and competitive rates can provide you with the cash.

Personal Line of Credit

A Personal Line of Credit gives you quick, convenient access to revolving credit funds for any consumer purpose.

Credit Card8

You can monitor your budget, earn rewards and transfer balances, all with your credit card.

Home Equity Fixed Loan7

Borrow funds to consolidate high-interest debt, make home improvements, pay for education expenses or take care of any other need.

Residential Mortgage7

Competitive fixed-rate and variable-rate options are available. Let our expert Residential Mortgage Bankers assist you through the process.

Personal Loan

If you want to consolidate debt, finance a vacation or fund any other worthwhile project, we have a variety of terms to meet your needs.

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Interest on your mortgage, Home Equity FlexLine of Credit or Home Equity Fixed Loan may be tax-deductible. Consult your tax advisor for deductibility of interest.

For information about the rates, fees, other costs and benefits associated with these credit cards, or to apply, speak to any associate or visit susquehanna.net/personalbanking/ creditcards and refer to the disclosures accompanying the online credit card application, or call 800.311.3182. This credit card program is issued and administered by FIA Card Services, N.A.

Customer Service Center Call 800.311.3182

We understand that you have unique and varying needs with ever-increasing demands on your time. Knowing this drives us to improve existing technologies and search for better ways to provide you with the type of service you have come to expect. Whether you use our automated banking system or speak to a Customer Service Representative, our Customer Service Center is available to help you with your banking needs.

account balances, transfer funds, report a stolen bank card and more. Simply dial the Customer Service Center number and follow the auto-attendant prompts.

Customer Service Representative

Discuss your banking needs with a friendly, knowledgeable Customer Service Representative. Find answers to your questions, get assistance with your transactions or check current interest rates. Apply for a loan or open a deposit account and let the representative guide you to the right product for your purpose. Call us and receive personal assistance Monday through Friday, 8:00 a.m. to 8:00 p.m., and Saturday, 8:00 a.m. to 4:00 p.m. Eastern Standard Time.

Automated Telephone Banking System

When you dial our toll-free number, you can obtain information and services through our automated system, 24 hours a day, 7 days a week. You can access your

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Business Banking

Early mornings. Late nights. And way too many take-out dinners. Running a business takes energy, determination and sacrifice. We can help.

BUSINESS CHECKING ACCCOUNTS

Business Checking

A minimum-cost account for basic banking needs. Great for businesses with low transaction volume and balances.

BUSINESS SAVINGS ACCOUNTS

Statement Savings

Convenient access to your money and easy recordkeeping with interest credited monthly.

Business Checking II

When your business maintains a higher minimum balance with moderate transaction volume, this account provides the added flexibility you'll need.

Money Market

Tiered interest rates with no monthly service fee when you maintain the required minimum daily balance.

Indexed Money Market

Enjoy ready access to funds with a market-indexed rate based on the 13-week Treasury bill.

Business Banking Checking

Enjoy an interest-bearing checking account with ample transaction counts and no monthly service fee when you meet the aggregate minimum daily balance requirement or when you enroll in and use our online payroll service.

VALUE ADDED SERVICES

Internet Banker for Business with Bill Payment

Allows you virtually 24-hour access to your deposit and loan accounts, 365 days a year. View balances, transactions and account histories. Transfer funds, pay bills or set up email alerts to monitor your accounts.

NOW Checking

With options for nonprofits and sole proprietorships, these accounts combine the convenience of checking with the opportunity to earn interest.

Commercial Checking

Designed for a business with high transaction needs or that requires cash management services, this account offers an earnings credit on account balances to help offset account charges.

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Mobile and Text Banking

You work on the move. Susquehanna mobile banking is right there with you. Safe and secure, mobile banking gives you access to Internet Banker to manage your accounts anytime, anywhere. You can even set up alerts, make transfers and pay bills.

eStatements

Fast, convenient, secure and environmentally friendly, and you eliminate filing and shredding of paper statements.

Telephone Banking

Telephone Banking is confidential and gives you roundthe-clock automated access to your banking information. Check balances, make transfers or review account history. Just call 800.311.3182.

Disbursing Funds · ACH · ACH Vendor & Tax Payments · Outgoing Wires · Direct Deposit of Payroll · Business Debit and Credit Cards · Online Payroll Service Know What's Going On · Internet Banker for Business · Financial Electronic Data Interchange · Business Account Analysis · Account Reconciliation Program · Check Imaging cash reserves · Automated Investments/Loans · Line of Credit Sweeps · Money Desk CDs · Certificate of Deposit Account Registry Service® (CDARS) Wealth Management Solutions · Brokerage Services · Investment Management · Retirement Plan Services · Trust and Private Client Services · Insurance Services employee Benefit enhancements · Susquehanna [email protected] · Direct Deposit

BuSineSS ServiceS

Susquehanna has a full line of Business Services to make banking more efficient and allow you to concentrate on what you do best -- growing your business.

Getting Paid · ACH Collections · Remote Deposit of Checks and Cash · Lockbox Services · Incoming Wires · Merchant Services · Night Depository · Armored Courier Services Keep Money Flowing · Zero Balance Accounts (ZBAs) · Account-to-Account Transfers · ACH Collections · Investment Sweeps reliable Funding Source · Business Credit Solutions · Government Lending Programs · Lines of Credit and Term Loans · Letters of Credit · Commercial Mortgages & Real Estate Loans · Construction/Development Loans · Installment Loans · Susquehanna Commercial Finance, Inc.

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Frequently Asked Questions

IN GENERAL

Question: Why will there be changes to existing products or services? Answer: In order to create a unified set of products from both Abington and Susquehanna, adjustments to certain types of accounts and services were made. Changes affecting your accounts are outlined in the letter that accompanies this guide. To help you during this transition, the minimum balance requirement for any applicable deposit account will be waived starting October 1, 2011, through December 31, 2011. Question: When will these changes take effect? Answer: Effective Monday, October 3, 2011. Question: Will Abington Bank branches be open during the conversion weekend of October 1? Answer: From close of business Friday, September 30, through Sunday, October 2, we will be completing system changes and other work in the branches. Therefore, the branches will not be open for business. However, during the weekend, you can use the ATMs at Abington branches to withdraw funds and check your balance. Question: When can I begin using Susquehanna Bank branches to conduct banking business? Answer: On Monday, October 3, following the conversion weekend, you will be able to conduct banking business at any Susquehanna Bank branch. Until that time, please continue to use Abington Bank branches as you have in the past. Until you receive and activate your new Susquehanna Visa® Check Card, please use your Abington Bank® Visa Check Card at any Abington Bank or Susquehanna Bank ATM without service fee or surcharge. Question: Will my account numbers change? Answer: For most customers, account numbers will stay the same for deposit and loan accounts. Some duplicate account numbers do exist and will need to be changed. Those customers affected will be personally contacted and assisted with this change. Question: Will I still be able to visit the same branches? Answer: All of the existing Abington Bank branches will remain open after the acquisition is completed, operating under the name Susquehanna Bank. After our merger, there will be more than 220 Susquehanna branches and over 250 ATMs in Pennsylvania, Maryland, New Jersey and West Virginia. Question: Who can I contact for additional information or customer service assistance? Answer: Prior to the merger, we encourage you to contact your Abington Bank branch directly or call 215.886.8280. After October 2, 2011, dialing 800.311.3182 will connect you to our automated telephone banking system, as well as our Customer Service Center which is staffed Monday through Friday 8:00 a.m. to 8:00 p.m. and Saturday 8:00 a.m. to 4:00 p.m. Question: Will fees change? Answer: Please see our Fee Schedule on page 19. Any new fees will be effective October 1, 2011. However, a waiver of minimum balance requirements and business per-item fees will be effective through December 31, 2011.

DEPOSIT ACCOUNTS

Question: Will I need to order new checks? Answer: No. Please continue to use your existing supply. Question: What should I do when my current supply of Abington Bank checks runs out? Answer: The next time you place an order for checks through Susquehanna, the updated bank information will automatically be included. If you order through another vendor, you will need to supply the Susquehanna Bank routing number -- 031309123 -- plus your account number. Question: Do I need to use the new bank routing number for electronic transactions? Answer: The bank routing number for Abington Bank will be redirected to Susquehanna Bank for a period of time. Please use Susquehanna Bank 031309123 when you provide bank routing information for direct deposits, electronic direct debits and wire transfers in the future. Question: Do I have to reestablish any direct deposits or automatic payments that I had previously set up on my Abington accounts? Answer: No. If you had previously established direct deposits or payments, they will automatically be continued by Susquehanna Bank. In some cases, the organization that initiates the direct payment or debit may contact you for approval to change the transaction to the new bank routing number for Susquehanna Bank. Question: Will my monthly statements change? Answer: There may be some minor changes to your statement. For example, Susquehanna Bank issues combined statements for deposit accounts that include summary information on certificates of deposit. If you would like to receive combined statements, please contact your nearest branch or call the Customer Service Center at 800.311.3182. Customers who have only certificates of deposit will not receive a monthly statement. Question: Will I receive an interim statement? Answer: Your final Abington Bank checking or savings statement will be created on September 30, 2011. Question: Will I continue to receive my statements at the same time of the month? Answer: We plan to send monthly statements as close as possible to the time you received them in the past.

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Question: Will I continue to receive my account statement electronically after the merger? Answer: If you currently receive your deposit account statement electronically, you will receive a separate mailing explaining how to access your electronic statement after the merger. Question: Will this merger affect the FDIC insurance on my deposit accounts? Answer: If your balances in interest-bearing accounts at Abington and Susquehanna combined are less than $250,000, the funds will continue to be insured under the FDIC's general deposit insurance rules. If they will exceed $250,000, please contact your branch or our Customer Service Center at 800.311.3182 to discuss FDIC insurance questions. All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. See page 15. Question: Will overdraft transfers continue from my linked accounts? Answer: Yes. Question: Will there be any changes to my Bounce ProtectionTM (Overdraft Protection Plan)? Answer: After September 30, 2011, the Bounce Protection program will no longer be in effect. Please refer to Deposit Account Agreement on page 21 and Susquehanna's overdraft practices on page 16 of this guide for information regarding overdrafts. Question: Will the timing or frequency of my certificate of deposit interest check(s) change? Answer: The frequency of your interest check will not change. Your interest will continue to be paid monthly, quarterly, semiannually, annually or at maturity. Mailing may delay receipt and if you would like to have the funds available on the 30th, consider changing your interest disposition to transfer the funds to a Susquehanna Bank deposit account. To change your certificate interest payment method, contact your nearest branch or call the Customer Service Center at 800.311.3182. When the certificate renews, the interest disposition will be changed to coincide with the anniversary date of your certificate. Question: Does Susquehanna offer passbook savings accounts? Answer: Susquehanna offers a more user-friendly statement savings account and no longer offers passbooks savings accounts. However, we will update existing passbook registers with account activity. Information contained in passbooks is for customer reference only.

Question: Will my loan terms change with this merger? Answer: All terms and conditions on most loans will remain the same until maturity. If a change or modification is planned, you will receive a separate letter detailing that information. Question: Will I be able to use my existing supply of home equity line of credit checks? Answer: A new supply of line of credit checks will be delivered to you prior to the merger. Please stop using your current checks after receiving your new supply. To help protect your financial security, remember to shred or destroy any old checks before throwing them away.

AUTOMATED TELEPHONE BANKING

Question: Will I be able to inquire on my account balances and make transfers through an automated phone system? Answer: Yes. Beginning Monday, October 3, you will have funds transfer services when calling the Susquehanna Telephone Banking service. Contact the Customer Service Center for details on all Telephone Banking services. To access the system, please call 800.311.3182. As a first-time user, enter your account number and the last four digits of your Social Security/tax ID number as your telephone access code. You will then be asked to change your four-digit telephone access code. If you need assistance, please hold on the line or press "0" to speak with a Customer Service Representative; they are available Monday through Friday between 8:00 a.m. and 8:00 p.m. and Saturday, 8:00 a.m. to 4:00 p.m.

INTERNET BANKING

Question: Will I be able to access my Online Banking account after the merger? Answer: Yes. If your accounts are established for internet banking, we will mail you a separate letter in a few weeks with the information and instructions you will need.

ATM, CHECK CARD & CREDIT CARD SERVICES

Question: Will I receive a new Visa® Check Card or ATM Card? Answer: Please continue to use your existing ATM or Visa® Check Card until you receive your Susquehanna ATM or Visa Check Card from us in the mail. Card activation information will be included with your Susquehanna card. Question: Will Susquehanna charge me a service fee if I use my Visa® Check Card or ATM Card at another bank's ATM? Answer: Susquehanna will not charge you for using another bank's ATM starting October 1, 2011, through December 31, 2011. We'll also include a refund of the other bank's surcharge fee during this time period. Susquehanna offers several personal checking products that do not charge a Susquehanna fee for using another bank's ATMs, plus we have ATM Freedom that allows free transactions at another bank's ATM. Please refer to page 7 of this Guide for more information. Question: Will there be any changes to my Abington Bank credit card? Answer: Your credit card number and servicing will remain the same, and we are not planning to issue new credit cards at the time the merger is completed.

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CONSUMER, MORTGAGE & COMMERCIAL LOANS

Question: Will my loan payment due date change? Answer: No. Your loan payment due date will not change. Question: My loan payment is automatically deducted from my account. Will that service continue? Answer: Yes. Your loan payment will be automatically deducted from your Susquehanna Bank account, and that payment will be reflected on your monthly statement.

General Disclosures

FOLLOWING IS THE TRUTH IN SAVINGS DISCLOSURE FOR THE LISTED DEPOSIT ACCOUNTS:

The Annual Percentage Yield (APY) is effective as of Monday, August 1, 2011.

SUSQUEHANNA BANK Personal Deposit Interest Rates

Interest Checking Transaction Accounts Minimum to Open Minimum Balance Req'd to Obtain APY $25 $5,000 Relationship Checking $25.00 $10,000 $50,000 $100,000 Savings/MMDA Transaction Accounts Minimum to Open Minimum Balance Req'd to Obtain APY $25 Statement Savings $25.00 $10,000 $50,000 MegaBuck$TM Kids Club $10.00 $25 $25 $5,000 $10,000 Premium Money Market $25.00 $25,000 $50,000 $100,000 $250,000 All Purpose Club $1.00 $10 $25 $5,000 IRA Money Market Account* $25.00 $10,000 $50,000 $75,000 Interest Rate .05% .10% .15% .20% .25% Interest Rate .10% .10% .10% .10% .10% .20% .25% .35% .55% .70% .80% .10% .10% .20% .25% .55% .70% Annual Percentage Yield (APY) .05% .10% .15% .20% .25% Annual Percentage Yield (APY) .10% .10% .10% .10% .10% .20% .25% .35% .55% .70% .80% .10% .10% .20% .25% .55% .70%

*Minimum amount to open is $25 if contributions to this account are automatically deducted from a Susquehanna Bank checking or savings account.

TRUTH IN SAVINGS DISCLOSURE: Personal Checking, Savings, Club and Money Market · If you would like more current rate and yield information, please Rate Information call us at 800.311.3182. · Your interest rate and annual percentage yield may change daily after the account is opened. Minimum Balance Requirements · The interest rate on your account is established by the Bank in its · To determine the minimum balance requirements to obtain the sole discretion. disclosed annual percentage yield, see the Personal Deposit Interest · The annual percentage yield assumes that all interest will remain Rates Chart above. on deposit until maturity. A withdrawal will reduce earnings. · Fees assessed could reduce earnings on the account.

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· To determine if and when a minimum balance fee will be charged, and the amount of such a fee, and for a listing of the fees that may be assessed against your account, see the Bank's Fee Schedule.

Compounding and Crediting For all other accounts except as noted: · Interest will be compounded monthly. · Interest will be credited to your account monthly. · If you close your account before interest is credited, you will receive the accrued interest. For All Purpose Clubs Only: · Interest will not be compounded. · Interest will be credited to your account at maturity. · If you close your account before interest is credited, you will not receive the accrued interest. Balance Computation Method · We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Accrual of Interest on Non-cash Deposits · Interest begins to accrue on the business day we receive credit for the deposit of non-cash items (for example, checks).

Transaction Limitations For Savings and Money Market Accounts Only: · Under federal regulation you may make no more than six preauthorized withdrawals, automatic, Internet or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle. Transactions in excess of six will result in a $20.00 fee per transactions. Exceeding the transaction limit on a regular basis could cause the account to be changed to a noninterest-bearing account. See the Transfer Limitations Section in the Deposit Account Agreement. For All Purpose Clubs Only: · You cannot make withdrawals of principal from the account before the maturity of the plan without our consent. A handling fee may be charged for each withdrawal. Additional Terms · We reserve the right to at any time require not less than seven days' notice in writing before any withdrawal from an interestbearing account.

SUSQUEHANNA BANK Business Deposit Interest Rates and Account Terms

Business Interest Checking Transaction Accounts Minimum to Open Minimum Balance Req'd to Obtain APY Interest Rate Annual Percentage Yield (APY)

IOLTA Pennsylvania

$100.00

$0.01

Interest calculation and payment are established from time to time to meet the requirements of the Rules established by the Supreme Court of Pennsylvania as administered by the IOLTA Board of Pennsylvania. Interest Rate Annual Percentage Yield (APY) .10% .10% .10%

Business Savings Transaction Accounts

Minimum to Open

Minimum Balance Req'd to Obtain APY $25

Statement Savings ­ Business Statement Savings ­ Organization Statement Savings ­ Public Funds

.10% .10% .10%

$100.00

$10,000 $50,000

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Business Savings and Money Market Account Terms Rate Information · Your interest rate and annual percentage yield may change daily after the account is opened. · The interest rate on your account is established by the Bank in its sole discretion. · If you would like more current rate and yield information, please call us at 800.311.3182. Minimum Balance Requirements · To determine if and when a minimum balance fee will be charged, and the amount of such a fee, and for a listing of the fees that may be assessed against your account, see the Bank's Fee Schedule. Compounding and Crediting · Interest will be compounded monthly. · Interest will be credited to your account monthly. · If you close your account before interest is credited, you will receive the accrued interest. Balance Computation Method · We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Accrual of Interest on Non-cash Deposits · Interest begins to accrue on the business day we receive credit for the deposit of non-cash items (for example, checks). Transaction Limitations For Savings and Money Market Accounts Only: · Under federal regulation you may make no more than six preauthorized withdrawals, automatic, Internet or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle. Transactions in excess of six will result in a $20.00 fee per transactions. Exceeding the transaction limit on a regular basis could cause the account to be changed to a noninterest-bearing account. Additional Terms

· We reserve the right to at any time require not less than seven days' notice in writing before any withdrawal from an interestbearing account.

FEDERAL DEPOSIT INSURANCE CORPORATION NOTICES:

What happens to my FDIC coverage now that Abington Bank is merging with Susquehanna Bank and I have accounts at both banks? Susquehanna Bank is a member of the Federal Deposit Insurance Corporation (FDIC). When Abington Bank and Susquehanna Bank merge, the deposits from Abington Bank continue to be insured separately for at least six months after the date of the merger. This grace period gives you the opportunity to restructure your accounts, if you desire. In addition, CDs from Abington Bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the sixmonth period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period. Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term

"noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and moneymarket deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

FDIC Insurance Coverage for Transaction Accounts with Sweep Arrangements If you have a sweep arrangement that transfers funds from a noninterest-bearing transaction account into an interest-earning account, please remember that the interest-earning account is not insured in full. Instead, funds in the interest-earning account will continue to be insured under the FDIC's basic coverage limit of $250,000 per owner. The amount of deposit insurance coverage available under this form of sweep will be determined by the account in which the funds are held at the end of the business day. For more information...If you have questions about FDIC coverage, please contact your local branch or call our Customer Service Center at 800.311.3182. The FDIC offers an online tool to calculate the insurance coverage on your accounts at www.myFDICinsurance.gov, and you can also call the FDIC at 1-877-ASK-FDIC.

15

What You Need to Know About Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction but we pay it as a courtesy. Susquehanna Bank can cover your overdrafts in two different ways: 1. We have standard overdraft practices that come with your account. 2. We also offer overdraft protection plans, such as Overdraft Sweep Transfer, which links to a savings, money market, another checking or line of credit account. This may be less expensive than our standard overdraft practices. THE REMAINDER OF THIS NOTICE EXPLAINS OUR STANDARD OVERDRAFT PRACTICES What are the standard overdraft practices that come with the account? We do NOT generally authorize and pay overdrafts for the following types of transactions unless you ask us to: · ATM transactions · Everyday debit card (Check Card) transactions Your request allows Susquehanna Bank to consider paying the overdraft for which you will incur a fee. This is your choice. If you do not make the request, or if Susquehanna Bank chooses not to authorize the overdraft, your transaction will be declined. We DO authorize and pay overdrafts for the following types of transactions: · Checks and other transactions made using your checking account number · Automatic bill payments Susquehanna Bank pays overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. What fees will I incur if Susquehanna Bank pays my overdraft? If Susquehanna authorizes and pays an overdraft, you will incur a fee of up to $40 each time an overdraft is paid. What if I want Susquehanna Bank to consider authorizing and paying overdrafts on my ATM and everyday debit card transactions? If you want us to consider authorizing and paying overdrafts on ATM and everyday debit card transactions, please contact us in one of the following ways: · Visit our website at www.susquehanna.net/PersonalBanking/ AdditionalServices/OverdraftInformation.aspx · Call us at 800.311.3182 · Visit any Susquehanna Bank office ABINGTON BANK'S BOUNCE PROTECTIONTM WILL BE DISCONTINUED SEPTEMBER 30, 2011 Frequently Asked Questions Regarding Susquehanna's Overdraft Practices: Question: Will my overdraft transfer continue from my linked accounts? Answer: Yes. Question: Will there be any changes to my Bounce ProtectionTM (Overdraft Protection Plan)? Answer: As of September 30, 2011, the "Bounce ProtectionTM" program will no longer be effective. Customers with outstanding balances under Abington Bank's "Bounce ProtectionTM" program as of September 30, 2011, will be contacted directly. Please refer to the Deposit Account Agreement on page 21 of this guide and Susquehanna's overdraft practices above for information regarding overdrafts.

16

Customer Privacy Notice

Rev. 04.15.11

FACTS

wHY?

what Does Susquehanna Bank Do with Your Personal Information?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: · Social Security number and income · Account balances and transaction history · Payment history and credit history

wHat?

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Susquehanna Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

For our everyday business purposes -- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes -- to offer our products and services to you For joint marketing with other financial companies For our affiliates' everyday business purposes -- information about your transactions and experiences For our affiliates' everyday business purposes -- information about your creditworthiness For our affiliates to market to you For nonaffiliates to market to you

Does Susquehanna Bank share?

Yes

Can you limit this sharing?

No

Yes Yes Yes Yes Yes Yes

No No Yes Yes Yes Yes

to limit our sharing

· Call 800.311.3182; our menu will prompt you through your choice(s) · Visit us online: www.susquehanna.net/privacy Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call 800.311.3182 or go to any Susquehanna Bank Branch Office

17

Page 2

Who we are

Who is providing this notice? Susquehanna Bank

What we do

How does Susquehanna Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to your personal information to only those employees who need to know. We require all companies with whom we share your information to keep it confidential. How does Susquehanna Bank collect my personal information? We collect your personal information, for example, when you: · open an account or deposit money · pay your bills or apply for a loan · use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates or other companies. Why can't I limit all sharing? Federal law gives you the right to limit only: · sharing for affiliates' everyday business purposes -- information about your creditworthiness · affiliates from using your information to market to you · sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. Please see below for more rights under state laws. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account -- unless you tell us otherwise.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. · Susquehanna Bancshares Inc., Valley Forge Asset Management, Hann Financial Services Corporation a trade name of Boston Service Company Inc., Stratton Management Company, Community Settlement, LLC, Susquehanna Commercial Finance Inc., The Addis Group Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. · Mortgage companies, insurance companies, direct marketing companies and nonprofit organizations Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. · Joint marketing partners include credit card companies, insurance carriers and direct marketing companies

Other important information

You may have other privacy protections under some state laws. We will comply with applicable state laws as to information about you, including medical information.

18

Fee Schedule (Effective October 1, 2011)

Personal Accounts

Checking Accounts

· Free Checking -- No minimum daily balance requirement and no monthly service fee. This also qualifies as a New Jersey Consumer Checking account. · Student Checking -- No minimum daily balance requirement and no monthly service fee. Account holder must be enrolled in an education institution. · Relationship Checking -- One of the following minimum balance calculations must be met in order to avoid a monthly service fee of $15: 1) Aggregated minimum daily balance of personal checking, savings and money market accounts of the primary account owner is $5,000 or greater; or 2) Aggregated minimum daily balance of personal checking, savings, money market, CD/IRA and outstanding loan balances on personal loans and lines of credit of the primary account owner is $15,000 or greater. (Excludes business accounts.) The minimum daily balance requirement is waived for the first 3 months from the account opening date. · Relationship Checking: Senior -- No minimum daily balance requirement. Account holder must be at least 55 years of age and establish a qualified direct deposit to avoid a monthly service fee of $15. Qualified direct deposits are defined as recurring monthly ACH deposits of $100 or more, including direct deposits of a paycheck, pension or Social Security. The direct deposit requirement is waived for the first 3 months from the account opening date. · Health Savings Account -- A $50 minimum daily balance is required to avoid a monthly service fee of $5. The minimum daily balance requirement is waived for the first 6 months.

Business Accounts

Checking Accounts

· Business Checking -- No minimum daily balance requirement and no monthly service fee. A fee of $0.40 per item will be assessed for items over 100 per statement cycle.* · Business Checking II -- A $1,000 minimum daily balance is required to avoid a monthly service fee of $20. A fee of $0.40 per item will be assessed for items over 200 per statement cycle.* · Business Banking Checking -- A $10,000 aggregated minimum daily balance of all business checking, business savings and business money market accounts of the business customer is required to avoid a monthly service fee of $20. The monthly checking account service fee is waived with PayChoice enrollment. A fee of $0.40 per item will be assessed for items over 500 per statement cycle.* · NOW Account Checking -- (Sole Proprietor) A $1,000 minimum daily balance is required to avoid a monthly service fee of $20. A fee of $0.40 per item will be assessed for items over 200 per statement cycle.* · NOW Account Checking -- (Public Funds, Nonprofit and Organization) No minimum daily balance requirement and no monthly service fee. A fee of $0.40 per item will be assessed for items over 200 per statement cycle.* · Commercial Checking -- Designed for customers with larger balances and higher transaction volumes. See additional information on Commercial Checking Account Analysis. *Examples of items are: credits, deposited items, checks, in-person withdrawals and electronic payments.

Savings Accounts

· Statement Savings1 -- (Business and Sole Proprietor) A $500 minimum daily balance is required to avoid a monthly service fee of $15. · Statement Savings1-- (Public Funds, Nonprofit and Organization) No minimum daily balance requirement and no monthly service fee. · Money Market1 -- A $1,000 minimum daily balance is required to avoid monthly service fee of $15. · Indexed Money Market1 -- A $10,000 minimum daily balance is required to avoid a monthly service fee of $21.

Savings Accounts

· Statement Savings1 -- A $100 minimum daily balance is required to avoid a monthly service fee of $7. · Power Savings1 -- A $5,000 minimum daily balance is required to avoid a monthly service fee of $15. · MegaBuck$TM Kids Account1 -- No minimum daily balance requirement and no monthly service fee. Introductory savings account designed for children age 12 and under. · Teen Depositor Program1 -- No minimum daily balance requirement and no monthly service fee. Student savings designed for ages 13 through 17. · Indexed Money Market -- A $10,000 minimum daily balance is required to avoid a monthly service fee of $21. · Premium Money Market1 -- A $1,000 minimum daily balance is required to avoid a monthly service fee of $12.

1

Certificates of Deposit

Early Withdrawal -- A handling fee of $25 for each certificate will be charged in addition to interest penalties.

Commercial Checking Account Analysis

Each month an earnings credit is calculated on deposit balances. The earnings credit is used to offset the fees of the analyzed services shown below.

Analyzed Service Items:

Account Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$20.00 ACH Debit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$0.15 ACH Credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$0.15 Check Paid/Debit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$0.20 Deposit/Credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$0.40 Deposited Items . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$0.15 Special Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$15.00 Check Images on CD-ROM (per CD) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$10.00

Certificates of Deposit/Individual Retirement Accounts

Early Withdrawal -- A handling fee of $25 for each certificate will be charged in addition to interest penalties.

Club Accounts

Early Withdrawal -- A handling fee of $20 per club and loss of interest.

1Under federal regulation you may make no more than six preauthorized withdrawals, automatic, Internet, or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per statement cycle. Transactions in excess of six will result in a $20.00 fee per transaction. Exceeding the transaction limit on a regular basis could cause the account to be changed to a noninterest-bearing account.

19

Miscellaneous Services

Account Closed (by mail or within 90 days) . . . . . . . . . . . . . . . . . . . . . . . .$20.00 Account Transfer Via Telephone/Customer Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00 ACH Block Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$20.00 per month (non-personal accounts only) ATM/Visa® Check Card Inquire at foreign ATM* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$2.00 Withdrawal at foreign ATM* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$2.00 *A fee (surcharge) may also be charged by the owner of the foreign ATM. International Visa® Transaction Fee1 Single currency transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .0.80% Multiple currency transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1.00% Mini-Statement (ATM) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$2.00 Cash Handling (per roll/pack, business customers only) . . . . . . . . . . . . . .$0.20 Collection Item Domestic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$20.00 + correspondent fee Foreign . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$40.00 + correspondent fee Court Order/Garnishment/Writ/Levy . . . . . . . . . . . . . . . . . . . . . . . . . .$250.00 Deposit/Loan Account Assistance (per hour) . . . . . . . . . . . . . . . . . . . . .$25.00 Minimum . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$10.00 Deposit Item Returned . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$15.00 Direct Connect for Quicken®/QuickBooks® -- Business Monthly fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$15.00 Dormant Account (no activity for 2 years) Customers of MD Branches If balance is $50.00 . . . . . . . . . . . . . . . . . . . . . . .$10.00 prorated monthly If balance is >$50.00 . . . . . . . . . . . . . . . . . . . . . . .$20.00 prorated monthly Customers of PA and WV Branches . . . . . . . . . . . . . . . . . . .$10.00 per month Customers of NJ Branches . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00 per month EDI Translation Fax Charge (per month) . . . . . . . . . . . . . . . . . . . . . . . . . .$25.00 Escheat Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$75.00 (where permitted by law and not to exceed state limits) Excess Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$20.00 (per transaction from any money market or savings account) Foreign Draft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25.00 + Cost Official Check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$10.00 Overdraft Fees/Services Fees assessed per item presented when you do not have enough available funds in the account. Examples of items are: checks, in-person withdrawal, ATM withdrawal, telephone or electronic payment, such as debit card purchases and online bill payments. Paid Overdraft Item Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$40.00 Return Overdraft Item Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$40.00 Overdraft Sweep Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$10.00 (includes transfers from checking, savings, money markets and lines of credit)

Overdraft Daily Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00 (per business day on the 7th business day when overdrawn $100 or more. Excludes MegaBuck$TM and Teen Depositor Accounts) Personal Money Order . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00 Retirement Account Trustee to Trustee Transfer . . . . . . . . . . . . . . . .$50.00 Safe Deposit Box Contact your local branch for annual rental rates. Drilling . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$150.00 + Cost Inventory . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$50.00 Key Replacement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$25.00 Late Charge . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$10.00 Statements (per statement) Copy of Full Statement w/check images . . . . . . . . . . . . . . . . . . . . . . . .$10.00 Copy of Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00 Duplicate Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00 Instant Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00 Undeliverable Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$5.00 Check Images on CD-ROM (per CD) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$10.00 Stop Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$30.00 Traveler's Checks Standard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2.0% Face Checks for two . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3.0% Face Wire Transfer -- Incoming . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$12.00 Wire Transfer -- Domestic Outgoing . . . . . . . . . . . . . . . . . . . . . . . . . . . .$30.00 Wire Transfer -- International Outgoing . . . . . . . . . . . . . . . . .$40.00 + Cost

ADDITIONAL INFORMATION

Account Holder Rule Regulations, Electronic Funds Transfer Disclosures or Funds Availability are found in the Deposit Account Agreement brochure, which is available from any of our banking offices. By maintaining the account(s), each Depositor accepts this revised Fee Schedule and agrees that all terms and conditions of the account disclosures, and account holder rules and regulations shall continue to apply. Depositor affirms and expressly authorizes Susquehanna Bank to collect the amount of any overdraft from subsequent deposits even if such deposits consist of Social Security, SSI, or other state or public payments not subject to creditors' claim without Depositor's consent. Susquehanna Bank reserves the right, at its sole discretion, to change any of the terms and conditions of the accounts. In the event of any changes to terms and conditions, Susquehanna Bank will provide notice to you. This notice may be posted at our office locations, included in regular monthly statements or mailed separately to the last known account address. Our staff will help answer any questions you may have about your account. You may also contact our Customer Service Center at 800.311.3182 anytime during normal business hours, Monday through Friday, 8:00 a.m. to 8:00 p.m., and Saturday, 8:00 a.m. to 4:00 p.m., or visit our website at susquehanna.net.

1INTERNATIONAL TRANSACTIONS -- If you conduct a transaction involving only U.S. dollars with the ATM/Visa® Check Card in a country outside of the United States of America, Puerto Rico or the US Virgin Islands there will be a transaction fee of .80% of the transaction amount that will appear on your monthly statement. If you conduct a transaction involving multiple currencies with the ATM/ Visa® Check Card in a country outside the United States of America, Puerto Rico or the U.S. Virgin Islands there will be a transaction fee of 1% of the transaction amount that will appear on your monthly statement.

20

Deposit Account Agreement

Terms and Conditions of Your Account

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT --Tohelpthegovernmentfightthefundingofterrorism andmoneylaunderingactivities,Federallawrequiresallfinancialinstitutions toobtain,verify,andrecordinformationthatidentifieseachpersonwho opensanaccount. Whatthismeansforyou:Whenyouopenanaccount,wewillaskforyour name,address,dateofbirth,andotherinformationthatwillallowusto i dentifyyou.Wemayalsoasktoseeyourdriver'slicenseorotheridentifying documents. AGREEMENT (for Maryland and West Virginia only) --Thisdocument, alongwithanyotherdocumentswegiveyoupertainingtoyouraccount(s), isacontractthatestablishesruleswhichcontrolyouraccount(s)withus. Pleasereadthiscarefully.Ifyousignthesignaturecardoropenorcontinueto usetheaccount,youagreetotheserules.Ifyouhaveanyquestions,please callus.Youraccountwillbegovernedbythelawsofthestateinwhichthe o fficewhereyouopenedyouraccountislocated. Thisagreementissubjecttoapplicablefederallawsandthelawsofthestate ofMarylandorWestVirginia(excepttotheextentthatthisagreementcan anddoesvarysuchrulesorlaws).Thebodyofstateandfederallawthat g overnsourrelationshipwithyou,however,istoolargeandcomplexto be reproducedhere.Thepurposeofthisdocumentisto: (1)summarizesomelawsthatapplytocommontransactions; (2)establishrulestocovertransactionsoreventswhichthelawdoesnot r egulate; (3)establishrulesforcertaintransactionsoreventswhichthelawregulates butpermitsvariationbyagreement;and (4)giveyoudisclosuresofsomeofourpoliciestowhichyoumaybeentitled orinwhichyoumaybeinterested. Ifanyprovisionofthisdocumentisfoundtobeunenforceableaccording to itsterms,allremainingprovisionswillcontinueinfullforceandeffect.We maypermitsomevariationsfromourstandardagreement,butwemust agreetoanyvariationinwritingeitheronthesignaturecardforyouraccount orinsomeotherdocument. Asusedinthisdocumentthewords"we,""our,"and"us"meanthefinancial i nstitutionandthewords"you"and"your"meantheaccountholder(s)and anyoneelsewiththeauthoritytodeposit,withdraw,orexercisecontrolover thefundsintheaccount.Theheadingsinthisdocumentareforconvenience orreferenceonlyandwillnotgoverntheinterpretationoftheprovisions. U nlessitwouldbeinconsistenttodoso,wordsandphrasesusedinthis d ocumentshouldbeconstruedsothesingularincludesthepluralandthe pluralincludesthesingular."Party"meansapersonwho,bythetermsofan account,hasapresentright,subjecttorequest,topaymentfromtheaccount otherthanasabeneficiaryorconveniencesigner. AGREEMENT (for Pennsylvania only)--Thisdocument,alongwithany otherdocumentswegiveyoupertainingtoyouraccount(s),isacontract that establishesruleswhichcontrolyouraccount(s)withus.Pleaseread this carefully.Ifyousignthesignaturecardoropenorcontinuetousethe a ccount,youagreetotheserules.Ifyouhaveanyquestions,pleasecallus. Youraccountwillbegovernedbythelawsofthestateinwhichtheoffice whereyouopenedyouraccountislocated. Thisagreementissubjecttoapplicablefederallawsandthelawsofthe state ofPennsylvania(excepttotheextentthatthisagreementcananddoes varysuchrulesorlaws).Thebodyofstateandfederallawthatgovernsour r elationshipwithyou,however,istoolargeandcomplextobereproduced here.Anyprovisionthatappointsusasanagentisnotsubjecttothe p rovisionsof20Pa.C.S.A.Section5601etseq.(Chapter56;Decedents,Estates andFiduciariesCode).Byexercisinganyofourrightsunderthisagreement, wedosoforoursolebenefit.Thepurposeofthisdocumentisto: (1)summarizesomelawsthatapplytocommontransactions; (2)establishrulestocovertransactionsoreventswhichthelawdoesnot r egulate; (3)establishrulesforcertaintransactionsoreventswhichthelawregulates butpermitsvariationbyagreement;and (4)giveyoudisclosuresofsomeofourpoliciestowhichyoumaybeentitled orinwhichyoumaybeinterested. Ifanyprovisionofthisdocumentisfoundtobeunenforceableaccording to itsterms,allremainingprovisionswillcontinueinfullforceandeffect. We maypermitsomevariationsfromourstandardagreement,butwemust agreetoanyvariationinwritingeitheronthesignaturecardforyouraccount orinsomeotherdocument. Asusedinthisdocumentthewords"we,""our,"and"us"meanthefinancial institutionandthewords"you"and"your"meantheaccountholder(s)and anyoneelsewiththeauthoritytodeposit,withdraw,orexercisecontrolover thefundsintheaccount.Theheadingsinthisdocumentareforconvenience orreferenceonlyandwillnotgoverntheinterpretationoftheprovisions. U nlessitwouldbeinconsistenttodoso,wordsandphrasesusedinthis d ocumentshouldbeconstruedsothesingularincludesthepluralandthe pluralincludesthesingular. LIABILITY --Youagree,foryourself(andthepersonorentityyourepresent if yousignasarepresentativeofanother)tothetermsofthisaccountand the FeeSchedule.Youauthorizeustodeductthesechargesdirectlyfromthe accountbalanceasaccrued.Youwillpayanyadditionalreasonablecharges forservicesyourequestwhicharenotcoveredbythisagreement. Eachofyoualsoagreestobejointlyandseverally(individually)liableforany accountshortageresultingfromchargesoroverdrafts,whethercausedby youoranotherwithaccesstothisaccount.Thisliabilityisdueimmediately, andcanbededucteddirectlyfromtheaccountbalancewheneversufficient fundsareavailable.Youhavenorighttodeferpaymentofthisliability,and youareliableregardlessofwhetheryousignedtheitemorbenefitedfrom thechargeoroverdraft.Youwillalsobeliableforourcoststocollectthe deficitaswellasforourreasonableattorneys'fees,totheextentpermitted by law,whetherincurredasaresultofcollectionorinanyotherdispute i nvolvingyouraccountincluding,butnotlimitedto,disputesbetweenyou andanotherjointowner;youandanauthorizedsignerorsimilarparty;ora thirdpartyclaiminganinterestinyouraccount. DEPOSITS --Wewillgiveonlyprovisionalcredituntilcollectionisfinalfor anyitems,otherthancash,weacceptfordeposit(includingitemsdrawn"on us").Beforesettlementofanyitembecomesfinal,weactonlyasyouragent, regardlessoftheformofindorsementorlackofindorsementontheitem andeventhoughweprovideyouprovisionalcreditfortheitem.Wemay r everseanyprovisionalcreditforitemsthatarelost,stolen,orreturned.Actual creditfordepositsof,orpayablein,foreigncurrencywillbeattheexchange rateineffectonfinalcollectioninU.S.dollars.Wearenotresponsiblefor transactionsbymailoroutsidedepositoryuntilweactuallyrecordthem.We willtreatandrecordalltransactionsreceivedafterour"dailycutofftime"ona businessdayweareopen,orreceivedonadaywearenotopenforbusiness, asifinitiatedonthenextbusinessdaythatweareopen.Atouroption,we maytakeanitemforcollectionratherthanfordeposit.Ifweacceptathirdpartycheckfordeposit,wemayrequireanythird-partyindorserstoverifyor guaranteetheirindorsements,orindorseinourpresence.Youauthorizeus, atourdiscretionandwithoutnoticetoyou,butsubjecttoanyfeedisclosed

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on our then applicable Fee Schedule, to resubmit for payment those deposits which have been returned unpaid. WITHDRAWALS -- Generally -- Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Postdated checks -- A postdated check is one which bears a date later than the date on which the check is written. We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. Checks and withdrawal rules -- If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit. We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. If we are presented with an item drawn against your account that would be a "substitute check," as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitations on the account until your identity is verified. Overdrafts -- You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later. You agree that we may charge fees for overdrafts and use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees. Waivers -- Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. Multiple signatures, electronic check conversion, and similar transactions -- An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation. In these types of transactions the check or similar item is either removed from circulation (truncated) or given back to you. As a result, we have no opportunity to review the check to examine the signatures on the item. You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures. Notice of withdrawal -- We reserve the right to 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. (The law requires us to reserve this right, but it is not our general policy to use it.) Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal. Fee schedule and rates -- You will receive a separate schedule of fees, service charges, minimum balances, etc. that apply to your account. The Fee Schedule is part of this Deposit Account Agreement, and may be changed by us from time to time. Contact us for the current interest rate(s) applicable to your account. Rates are subject to change by us from time to time.

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OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION (for Maryland only) -- These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Unless contrary direction is given in this account agreement, upon the death of a party, the funds in a multiple-party account shall belong to the surviving party or parties. OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION (for West Virginia and Pennsylvania only) -- These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account -- is an account in the name of one person. Joint Account -- With Survivorship (And Not As Tenants In Common) (for Maryland and Pennsylvania only) -- is an account in the name of two or more persons. Each of you intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account -- With Survivorship (for West Virginia only) -- If such an account ownership is selected, each joint tenant intends and agrees that the account balance upon his or her death shall be the property of the surviving joint tenant, and if more than one survives, they shall remain as joint tenants with right of survivorship between them. Revocable Trust or Pay-On-Death Account (for Maryland and West Virginia only) -- If two or more of you create this type of account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating either of these account types may: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time. Revocable Trust Account (for Pennsylvania only) -- If two of you create such an account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this account type reserve the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time. NOTICE TO JOINT ACCOUNT HOLDERS (for West Virginia only) -- This provision does not apply to joint accounts if the signatures of all of the account owners are required to make a withdrawal. This joint account is payable in both your name "or" in the name of the other person(s) listed on the account (Example "Mr. Smith or Mrs. Smith"). Please be advised and forewarned that: · All the money in this joint account may be withdrawn by anyone named on this account; or may be pledged as security for a loan or debt by anyone named on the account. ­ UNLESS, prior written notice is given to the bank not to permit it. · Despite any notification to the bank ­ The bank may pay the entire account balance to a creditor or other legal claimant pursuant to legal process. STOP PAYMENTS -- Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other types of transfers of funds, such as consumer

electronicfundtransfers,maybeestablishedbylaworourpolicy.Ifwehave notdisclosedtheserulestoyouelsewhere,youmayaskusaboutthoserules. Wemayacceptanordertostoppaymentonanyitemfromanyoneofyou. Youmustmakeanystoppaymentorderinthemannerrequiredbylawand wemustreceiveitintimetogiveusareasonableopportunitytoactonit beforeourstoppaymentcutofftime.Becausestoppaymentordersare handledbycomputers,tobeeffective,yourstoppaymentordermust preciselyidentifythenumber,date,andamountoftheitem,andthepayee. Youmaystoppaymentonanyitemdrawnonyouraccountwhetheryou signtheitemornot,ifyouhaveanequalorgreaterrighttowithdrawfrom thisaccountthanthepersonwhosignedtheitem.Generally,ifyourstop paymentorderisgiventousinwritingitiseffectiveforsixmonths.Yourorder willlapseafterthattimeifyoudonotrenewtheorderinwritingbeforethe endofthesix-monthperiod.Iftheoriginalstoppaymentorderwasverbal yourstoppaymentorderwilllapseafter14calendardaysifyoudonot confirmyourorderinwritingwithinthattimeperiod.Wearenotobligated to notifyyouwhenastoppaymentorderexpires.Areleaseofthestop p aymentrequestmaybemadeonlybythepersonwhoinitiatedthestop paymentorder. Ifyoustoppaymentonanitemandweincuranydamagesorexpenses b ecauseofthestoppayment,youagreetoindemnifyusforthosedamages orexpenses,includingattorneys' fees.Youassigntousallrightsagainstthe payeeoranyotherholderoftheitem.Youagreetocooperatewithusinany legalactionsthatwemaytakeagainstsuchpersons.Youshouldbeaware thatanyoneholdingtheitemmaybeentitledtoenforcepaymentagainst youdespitethestoppaymentorder. Ourstoppaymentcutofftimeisonehouraftertheopeningofthenext bankingdayafterthebankingdayonwhichwereceivetheitem.Additional limitationsonourobligationtostoppaymentareprovidedbylaw(e.g.,we paidtheitemincashorwecertifiedtheitem). TRANSFER LIMITATIONS --Forsavingsandmoneymarketaccountsyou maymakeuptosixtransfersorwithdrawalsbymeansofapreauthorized, a utomatic,ortelephonictransfertoanotheraccountofyoursortoathird partyorbycheck,debitcard,orsimilarordertoathirdpartyduringany c alendarmonth(orstatementcycleofatleastfourweeks).Apreauthorized transferincludesanyarrangementwithustopayathirdpartyfromyour a ccountat(i)apredeterminedtime;(ii)onafixedscheduleor(iii)uponoral orwrittenordersincludingordersreceivedthroughtheautomatedclearing house(ACH).Ifthetransferorwithdrawalisinitiatedinperson,bymail,orat anATMthenthereisnolimitonthenumberofpaymentsthatmaybemade directlytoyou,directlytousforamountsyouoweus,ortransferstoother a ccountsyouhavewithus.Withdrawalsbyphonearealsounlimitedifyou arerequestingthatacheckbemailedtoyou. AMENDMENTS AND TERMINATION --Wemaychangeanytermof this Agreement,includinganyFeeSchedule,fromtimetotimeinoursole d iscretion.Wemaygiveyounoticeofthechangesusingoneofthefollowing means,orbyanyothermethodpermittedbylaw.Wemaypostthechanges atourbranchlocations,includethechangesinyourregularaccount s tatementsormailthechangesseparatelytotheaddressofthe account ownershownonourrecords.Wemayalsoclosethisaccountatanytime uponreasonablenoticetoyouandtenderoftheaccountbalancepersonally orbymail. STATEMENTS --Your duty to report unauthorized signatures, alterations and forgeries --Youmustexamineyourstatementofaccountwithreasonable promptness.Ifyoudiscover(orreasonablyshouldhavediscovered)any unauthorizedsignaturesoralterations,youmustpromptlynotifyusofthe r elevantfacts.Asbetweenyouandus,ifyoufailtodoeitheroftheseduties, youwillhavetoeithersharethelosswithus,orbearthelossentirelyyourself (dependingonwhetherweusedordinarycareand,ifnot,whetherwe s ubstantiallycontributedtotheloss).Thelosscouldbenotonlywithrespect toitemsonthestatementbutotheritemswithunauthorizedsignaturesor alterationsbythesamewrongdoer. Youagreethatthetimeyouhavetoexamineyourstatementandreport to uswilldependonthecircumstances,butwillnot,inanycircumstance,

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e xceedatotalof30daysfromwhenthestatementisfirstsentormade a vailabletoyou. Youfurtheragreethatifyoufailtoreportanyunauthorizedsignatures, a lterationsorforgeriesinyouraccountwithin60daysofwhenwefirst send ormakethestatementavailable,youcannotassertaclaimagainstus onanyitemsinthatstatement,andasbetweenyouandusthelosswillbe entirelyyours.This60-daylimitationiswithoutregardtowhetherweused o rdinarycare.Thelimitationinthisparagraphisinadditiontothatcontained inthefirstparagraphofthissection. Your duty to report other errors --Inadditiontoyourdutytoreviewyour statementsforunauthorizedsignatures,alterationsandforgeries,youagree toexamineyourstatementwithreasonablepromptnessforanyothererror-- suchasanencodingerror.Youagreethatthetimeyouhavetoexamineyour statementandreporttouswilldependonthecircumstances.However,such timeperiodshallnotexceed60days.Failuretoexamineyourstatementand reportanysucherrorstouswithin60daysofwhenwefirstsendormakethe statementavailableprecludesyoufromassertingaclaimagainstusforany sucherrorsonitemsidentifiedinthatstatementandasbetweenyouandus thelosswillbeentirelyyours. Errors relating to electronic fund transfers or substitute checks --For i nformationonerrorsrelatingtoelectronicfundtransfers(e.g.,computer, debitcardorATMtransactions)refertoyourElectronicFundTransfers isclosure d andthesectionsonconsumerliabilityanderrorresolution.Fornformation i onerrorsrelatingtoasubstitutecheckyoureceived,refertoyourdisclosure entitledSubstituteChecksandYourRights. ACCOUNT TRANSFER --Thisaccountmaynotbetransferredorassigned withoutourpriorwrittenconsent. DIRECT DEPOSITS --If,inconnectionwithadirectdepositplan,wedeposit anyamountinanaccountwhichshouldhavebeenreturnedtothefederal governmentforanyreason,youauthorizeustodeducttheamountofour l iabilitytothefederalgovernmentfromtheaccountorfromanyother a ccountyouhavewithus,withoutpriornoticeandatanytime,exceptas prohibitedbylaw.Wemayalsouseanyotherlegalremedytorecoverthe amountofourliability. SETOFF --Wemay(withoutpriornoticeandwhenpermittedbylaw)set off thefundsinthisaccountagainstanydueandpayabledebtyouowe us noworinthefuture,byanyofyouhavingtherightofwithdrawal,tothe e xtentofsuchpersons'orlegalentity'srighttowithdraw.Ifthedebtarises fromanote,"anydueandpayabledebt"includesthetotalamountofwhich weareentitledtodemandpaymentunderthetermsofthenoteatthe time wesetoff,includinganybalancetheduedateforwhichweproperly a ccelerateunderthenote. Thisrightofsetoffdoesnotapplytothisaccountifprohibitedbylaw.For e xample,therightofsetoffdoesnotapplytothisaccountif:(a)itisan I ndividualRetirementAccountorsimilartax-deferredaccount,or(b)the debt iscreatedbyaconsumercredittransactionunderacreditcardplan (but thisdoesnotaffectourrightsunderanyconsensualsecurityinterest), or (c)thedebtor'srightofwithdrawalonlyarisesinarepresentativecapacity. Wewillnotbeliableforthedishonorofanycheckwhenthedishonoroccurs becausewesetoffadebtagainstthisaccount.Youagreetoholdusharmless fromanyclaimarisingasaresultofourexerciseofourrightofsetoff. CONVENIENCE SIGNER (Individual Accounts only) (for Maryland only) -- Asingleindividualistheowner.Theconveniencesignerismerelydesignated toconducttransactionsontheowner'sbehalf. Theownerdoesnotgiveup anyrightstoactontheaccount,andtheconveniencesignermaynotinany manneraffecttherightsoftheownerorbeneficiaries,ifany.Theowneris r esponsibleforanytransactionsoftheconveniencesigner.Weundertakeno obligationtomonitortransactionstodeterminethattheyareontheowner's behalf. Theownermayterminatetheconveniencesigner'sauthorizationatanytime, andtheauthorizationisautomaticallyterminatedbythedeathoftheowner. However,wemaycontinuetohonorthetransactionsoftheconvenience

signer until: (a) we have received written notice or have actual knowledge of the termination of authority, and (b) we have a reasonable opportunity to act on that notice or knowledge. We may refuse to accept a convenience signer. AUTHORIZED SIGNER (Individual Accounts only) (for West Virginia only) -- A single individual is the owner. The authorized signer is merely designated to conduct transactions on the owner's behalf. The owner does not give up any rights to act on the account, and the authorized signer may not in any manner affect the rights of the owner or beneficiaries, if any. The owner is responsible for any transactions of the authorized signer. We undertake no obligation to monitor transactions to determine that they are on the owner's behalf. The owner may terminate the authorization at any time, and the authorization is automatically terminated by the death of the owner. However, we may continue to honor the transactions of the authorized signer until: (a) we have received written notice or have actual knowledge of the termination of authority, and (b) we have a reasonable opportunity to act on that notice or knowledge. We may refuse to accept an authorized signer. AUTHORIZED SIGNER (Individual Accounts only) (for Pennsylvania only) -- A single individual is the owner. The authorized signer is merely designated to conduct transactions on the owner's behalf. The owner does not give up any rights to act on the account, and the authorized signer may not in any manner affect the rights of the owner or beneficiaries, if any. The owner is responsible for any transactions of the authorized signer. We undertake no obligation to monitor transactions to determine that they are on the owner's behalf. The designation of an authorized signer does not create a power of attorney; therefore, the authorized signer is not subject to the provisions of 20 Pa.C.S.A. Section 5601 et seq. (Chapter 56; Decedents, Estates and Fiduciaries Code). The owner may terminate the authorization at any time, and the authorization is automatically terminated by the death of the owner. However, we may continue to honor the transactions of the authorized signer until: (a) we have received written notice or have actual knowledge of the termination of authority, and (b) we have a reasonable opportunity to act on that notice or knowledge. We may refuse to accept an authorized signer. RESTRICTIVE LEGENDS -- The automated processing of the large volume of checks we receive prevents us from inspecting or looking for special instructions or "restrictive legends" on every check. Examples of restrictive legends placed on checks are "must be presented within 90 days" or "not valid for more than $1,000.00." For this reason, we are not required to honor any restrictive legend placed on checks you write unless we have agreed in writing to the restriction. We are not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks. PAYMENT ORDER OF ITEMS -- The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. The payment order can affect the number of items overdrawn or returned unpaid and the amount of the fees you may have to pay. To assist you in managing your account, we are providing you with the following information regarding how we process those items. Our policy is to process bank fees and charges first, then Internet and Telephone transfers and sweeps you have authorized. ATM and debit card transactions are paid next. Third are ACH payments, as well as other electronic payments and finally checks. These transactions are processed according to the serial number in low to high order, or if there is no serial number, then by dollar amount with the smallest items being processed first. We process Bill Pay transactions as ACH transactions or as checks, depending upon how the payment is issued. Except to the extent limited by federal regulatory and judicial authorities, we have the right to change the payment order of items as outlined above at any time without notice to you. If a check, item or transaction (other than an ATM or everyday debit card transaction) is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item for insufficient funds (NSF). The amounts of the overdraft and NSF fees

are disclosed elsewhere, as are your rights to opt in to overdraft services for ATM and everyday debit card transactions, if applicable. We encourage you to make careful records and practice good account management. This will help you to avoid creating items without sufficient funds and potentially incurring the resulting fees. CHECK PROCESSING -- We may process items mechanically by relying on the information encoded along the bottom of the items. This means that we may not individually examine all of your items to determine if the item is properly completed, signed and indorsed. You agree that we have not failed to exercise ordinary care solely because we use an automated system to process items and do not inspect all items processed in such a manner. We reserve the right not to inspect each item because using an automated process helps us keep costs down for you and all account holders. We may determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return. We need only make one determination, but if we choose to make a subsequent determination, the account balance at the subsequent time will determine whether there are insufficient available funds. CHECK CASHING -- We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account. We may also require reasonable identification to cash such a check, draft or other instrument. We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint. FACSIMILE SIGNATURES -- Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other orders. If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us. You give us this authority regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose. You must notify us at once if you suspect that your facsimile signature is being or has been misused. PLEDGES -- Unless we agree otherwise in writing, each owner of this account may pledge all or any part of the funds in it for any purpose to which we agree. Any pledge of this account must first be satisfied before the rights of any surviving account owner or account beneficiary become effective. POWER OF ATTORNEY -- You may wish to appoint an agent to conduct transactions on your behalf. (We, however, have no duty or agreement whatsoever to monitor or insure that the acts of the agent are for your benefit.) This may be done by allowing your agent to sign in that capacity on the signature card or by separate form, such as a power of attorney. A power of attorney continues until your death or the death of the person given the power. If the power of attorney is not "durable," it is revoked when you become incompetent. We may continue to honor the transactions of the agent until: (a) we have received written notice or have actual knowledge of the termination of the authority or the death of an owner, and (b) we have had a reasonable opportunity to act on that notice or knowledge. You agree not to hold us responsible for any loss or damage you may incur as a result of our following instructions given by an agent acting under a valid power of attorney. STALE DATED CHECKS -- We are not obligated to, but may at our option, pay a check presented for payment more than six months after its date. If you do not want us to pay a stale dated check, you must place a stop payment order on the check in the manner we have described elsewhere. FDIC INSURANCE -- Funds in your account(s) with us are insured by the Federal Deposit Insurance Corporation (FDIC) and backed by the full faith and credit of the United States. The amount of insurance coverage you have depends on the number of accounts you have with us that are of different

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"ownership."Anindividualaccountisoneuniqueformof"ownership";ajoint account,apay-on-deathaccount,andaself-directedqualifiedretirement account(e.g.,anIRA)areexamplesofsomeoftheothers.Depositinsurance foraperson'sself-directedqualifiedretirementaccountisupto$250,000.(An IRAisaself-directedqualifiedretirementaccountasisanyaccountwherethe ownerdecideswhereandhowtoinvestthebalance.)Depositinsurancefor theotherownershipsisatleast$250,000perinterestoftheowner.Ifyou wantamoredetailedexplanationoradditionalinformation,youmayask us orcontacttheFDIC.YoucanalsovisittheFDICwebsiteatwww.fdic.gov and clickontheDepositInsurancelink.Thelinkincludesdetailedcontact i nformationaswellasadepositinsuranceestimator. INDORSEMENTS --Wemayacceptfordepositanyitempayabletoyouor yourorder,eveniftheyarenotindorsedbyyou.Wemaygivecashbackto anyoneofyou.Wemaysupplyanymissingindorsement(s)foranyitemwe acceptfordepositorcollection,andyouwarrantthatallindorsementsare genuine. UNCLAIMED PROPERTY --Thelawestablishesproceduresunderwhich unclaimedpropertymustbesurrenderedtothestate.(Wemayhaveour ownrulesregardingdormantaccounts,andifwechargeafeefordormant accountsitwillbedisclosedtoyouelsewhere.)Generally,thefundsin your accountareconsideredunclaimedifyouhavenothadanyactivityor c ommunicationwithusregardingyouraccountoveraperiodofyears.Ask us ifyouwantfurtherinformationabouttheperiodoftimeortypeofactivity thatwillpreventyouraccountfrombeingunclaimed.Ifyourfundsare s urrenderedtothestate,youmaybeabletoreclaimthem,butyourclaim mustbepresentedtothestate.Onceyourfundsaresurrendered,weno longerhaveanyliabilityorresponsibilitywithrespecttothefunds. DEATH OR INCOMPETENCE --Youagreetonotifyuspromptlyifany p ersonwitharighttowithdrawfundsfromyouraccount(s)diesorbecomes legallyincompetent.Wemaycontinuetohonoryourchecks,items,and i nstructionsuntil:(a)weknowofyourdeathorincompetence,and(b)we havehadareasonableopportunitytoactonthatknowledge.Youagreethat wemaypayorcertifychecksdrawnonorbeforethedateofdeathorlegal incompetenceforuptoten(10)daysafteryourdeathorlegalincompetence unlessorderedtostoppaymentbysomeoneclaiminganinterestinthe a ccount. UTMA ACCOUNTS --UndertheUniformTransferstoMinorsAct,thefunds intheaccountareownedbythechildwhohasunconditionaluseofthe a ccountwhenheorshebecomesanadult.Beforethattime,theaccount maybeaccessedonlybythecustodian(orsuccessorcustodian),andthe fundsmustbeusedforthebenefitofthechild.We,however,havenoduty or agreementwhatsoevertomonitororinsurethattheactsofthecustodian (orsuccessorcustodian)areforthechild'sbenefit.Forthistypeofaccount, thechild'sSSN/TINisusedfortheBackupWithholdingCertification. FIDUCIARY ACCOUNTS --Accountsmaybeopenedbyapersonacting in afiduciarycapacity.Thisaccountmaybeopenedandmaintainedbya p ersonorpersonsnamedasatrusteeunderawrittentrustagreement,or as executors,administrators,orconservatorsundercourtorders.Youunderstandthatbymerelyopeningsuchanaccount,wearenotactinginthe c apacityofatrusteeinconnectionwiththetrustnordoweundertakeany obligationtomonitororenforcethetermsofthetrustorletters. BACKUP WITHHOLDING/TIN CERTIFICATION --Federaltaxlawrequires ustoreportinterestpaymentswemaketoyouof$10ormoreinayear, and toincludeyourtaxpayeridentificationnumber(TIN)onthereport.The t axpayeridentificationnumberisyourSocialSecuritynumberifyouarean i ndividual.Interestincludesdividends,interestandbonuspaymentsfor p urposesofthisrule.Therefore,werequireyoutoprovideuswithyourTIN andtocertifythatitiscorrect.Insomecircumstances,federallawrequires us towithholdandpaytotheIRSapercentageoftheinterestthatisearned onfundsinyouraccounts.Thisisknownasbackupwithholding.Wewill not havetowithholdinterestpaymentswhenyouopenyouraccountifyou c ertifyyourTINandcertifythatyouarenotsubjecttobackupwithholding duetounderreportingofinterest.(Therearespecialrulesifyoudonothave a TINbuthaveappliedforone,ifyouareaforeignperson,orifyouare

e xemptfromthereportingrequirements.)Wemaysubsequentlyberequired tobeginbackupwithholdingiftheIRSinformsusthatyousuppliedan i ncorrectTINorthatyouunderreportedyourinterestincome. CREDIT VERIFICATION --Youagreethatwemayverifycreditand e mploymenthistorybyanynecessarymeans,includingpreparationof a creditreportbyacreditreportingagency. LOST, DESTROYED, OR STOLEN CERTIFIED, or official CHECKS (for West Virginia only) --Undersomecircumstancesyoumaybeabletoasserta claimfortheamountofalost,destroyed,orstolencertified,orofficialcheck. Toasserttheclaim:(a)youmustbetheremitter(ordrawerofacertified check)orpayeeofthecheck,(b)wemustreceivenoticefromyoudescribing thecheckwithreasonablecertaintyandaskingforpaymentoftheamount of thecheck,(c)wemustreceivethenoticeintimeforustohaveareasonable opportunitytoactonit,and(d)youmustgiveusadeclaration(inaformwe require)ofyourlosswithrespecttothecheck.Youcanaskusforadeclaration form.Evenifalloftheseconditionsaremet,yourclaimmaynotbeimmediately enforceable.Wemaypaythecheckuntiltheninetiethdayafterthedateof thecheck(ordateofacceptanceofacertifiedcheck).Therefore,yourclaimis notenforceableuntiltheninetiethdayafterthedateofthecheckordateof acceptance,andtheconditionslistedabovehavebeenmet.Ifwehavenot alreadypaidthecheck,onthedayyourclaimisenforceablewebecome o bligatedtopayyoutheamountofthecheck.Wewillpayyouincashor issueanothercertifiedcheck. Atouroption,wemaypayyoutheamountofthecheckbeforeyourclaim becomesenforceable.However,wewillrequireyoutoagreetoindemnifyus foranylosseswemightsuffer.Thismeansthatifthecheckispresentedafter wepayyourclaim,andwepaythecheck,youareresponsibletocoverour losses.Wemayrequireyoutoprovideasuretybondtoassurethatyoucan payusifwesufferaloss. CHANGING PRODUCTS OR ADDING SERVICES --Youmayrequesta changetotheaccount,ortoanotherproduct,ormayaddotheraccount servicesbyprovidingtheinformationordocumentationwerequire.Changes maybemadebyanyaccountholderorauthorizedsigner.Wemaychange youraccounttoanotherproductatanytimebygivingyounoticethatyour accountwillbechangedtoanotherproductonaspecifieddate;fortime a ccountsthiswillnotoccurbeforethenextmaturitydateoftheaccount.If youdonotcloseyouraccountbeforethespecifieddate,thechangewillbe effectiveforyouraccountonthatdate. TRANSACTIONS BY MAIL --Youmaydepositchecksbymail.Youshould indorsethecheckbeingsentthroughthemailwiththewords"ForDeposit Only"andshouldincludeyourcorrectaccountnumberunderneathtoinsure thecheckiscreditedtothecorrectaccount.Youshouldusethe pre-encodedcheckingdepositslipsfoundbehindyourchecksinyour c heckbook.Ifyoudonotuseyourdepositsliporprovideuswithinstructions indicatinghoworwherethecheckshouldbecredited,wemayapplyitto anyaccountoranyloanbalanceyouhavewithusorwemayreturnthe checktoyou.Receiptsforsuchtransactionswillbemailedtoyouonlyif a self-addressedstampedenvelopeisprovided.Followingyourdeposit, e xamineyourstatementcarefullyorcallustoinsurethatwereceivedthe item.Donotsendcashthroughthemailfordeposit. LEGAL ACTIONS AFFECTING YOUR ACCOUNT --Ifweareservedwith a subpoena,restrainingorder,writofattachmentorexecution,levy,garnishment,searchwarrant,orsimilarorderrelatingtoyouraccount(termed "legal action"inthissection),wewillcomplywiththatlegalaction.Or,in our discretion,wemayfreezetheassetsintheaccountandnotallowany paymentsoutoftheaccountuntilafinalcourtdeterminationregardingthe legalaction.Wemaydothesethingsevenifthelegalactioninvolvesless thanallofyou.Inthesecases,wewillnothaveanyliabilitytoyouifthereare insufficientfundstopayyouritemsbecausewehavewithdrawnfundsfrom youraccountorinanywayrestrictedaccesstoyourfundsinaccordance with thelegalaction.Anyfeesorexpensesweincurinrespondingtoany legal ction(including,withoutlimitation,attorneys' feesandourinternal a e xpenses)maybechargedagainstyouraccount.Thelistoffeesapplicable to youraccount(s)providedelsewheremayspecifyadditionalfeesthatwe maychargeforcertainlegalactions.

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CHECK STORAGE AND COPIES (for Pennsylvania only) --Youagreethat youwillnotreceiveyourcanceledchecks.Wewillstoreyourcanceledchecks orcopiesofthemforareasonableretentionperiod.Youmayrequestcopies fromusinthemannerwerequire. OVERDRAFTS --InthisAgreement,"Overdraft"meansanytransactionor o ccurrencethatcausesyouraccounttohaveabalancebelowzero,whether causedbyacheck,in-personwithdrawal,electronictransaction,ATM t ransaction,impositionoffeesorotheroccurrence.Ifwedeterminethat an Overdrafthasoccurredconcerningyouraccount,wemayelect,in our solediscretion,toeitherhonorthetransaction(s)thatresultedinthe O verdraftortoreturnorrefusetohonorthetransaction(s).Whetherornot weelecttopay,returnorrefusetopay,wemayimposeaPaidOverdraft Item/ReturnOverdraftItemFee.YoumustrepayanyOverdraftofyour account(includinganyfeesandothercharges)immediately.Youmaylink certainotheraccountstoyouraccounttoallowfundstobetransferredto preventOverdrafts.Contactusformoreinformation.Wemayimposeafee for eachtransfer. SECURITY --Itisyourresponsibilitytoprotecttheaccountnumbers and electronicaccessdevices(e.g.,anATMcard)weprovideyouforyour account(s).Donotdiscuss,compare,orshareinformationaboutyour accountnumber(s)withanyoneunlessyouarewillingtogivethemfull use ofyourmoney.Anaccountnumbercanbeusedbythievestoencode yournumberonafalsedemanddraftwhichlookslikeandfunctionslikean authorizedcheck.Ifyoufurnishyouraccessdeviceandgrantactualauthority tomaketransferstoanotherperson(afamilymemberorcoworker,for e xample)whothenexceedsthatauthority,youareliableforthetransfers u nlesswehavebeennotifiedthattransfersbythatpersonarenolonger a uthorized. Youraccountnumbercanalsobeusedtoelectronicallyremovemoney from youraccount.Ifyouprovideyouraccountnumberinresponsetoa t elephonesolicitationforthepurposeofmakingatransfer(topurchasea serviceormerchandise,forexample),paymentcanbemadefromyour a ccounteventhoughyoudidnotcontactusdirectlyandorderthepayment. Youmustalsotakeprecautioninsafeguardingyourblankchecks.Notifyus at onceifyoubelieveyourcheckshavebeenlostorstolen.Asbetweenyou andus,ifyouarenegligentinsafeguardingyourchecks,youmustbearthe lossentirelyyourselforsharethelosswithus(wemayhavetosharesome of thelossifwefailedtouseordinarycareandifwesubstantiallycontributed totheloss). REMOTELY CREATED CHECKS --Likeanystandardcheckordraft,a r emotelycreatedcheck(sometimescalledatelecheck,preauthorizeddraft or demanddraft)isacheckordraftthatcanbeusedtowithdrawmoney fromanaccount.Unlikeatypicalcheckordraft,however,aremotelycreated checkisnotissuedbythepayingbankanddoesnotcontainthesignature of theaccountowner(orasignaturepurportedtobethesignatureofthe a ccountowner).Inplaceofasignature,thecheckusuallyhasastatement thattheownerauthorizedthecheckorhastheowner'snametypedor printedonthesignatureline.Forexample,ifapersonprovidesanaccount numberinresponsetoatelephonesolicitation,thetelephonesolicitorcan usetheaccountnumbertoissuearemotelycreatedchecktowithdraw moneyfromthataccount. Youwarrantandagreetothefollowingforeveryremotelycreatedcheckwe receivefromyoufordepositorcollection:(1)youhavereceivedexpressand verifiableauthorizationtocreatethecheckintheamountandtothepayee thatappearsonthecheck;(2)youwillmaintainproofoftheauthorizationfor atleast2yearsfromthedateoftheauthorization,andsupplyustheproof if weask;and(3)ifacheckisreturnedyouoweustheamountofthecheck, r egardlessofwhenthecheckisreturned.Wemaytakefundsfromyour a ccounttopaytheamountyouoweus,andifthereareinsufficientfunds in youraccount,youstilloweustheremainingbalance. MONITORING AND RECORDING TELEPHONE CALLS --Wemaymonitor orrecordphonecallsforsecurityreasonsandtoinsurethatyoureceive c ourteousandefficientservice.Youconsentinadvancetoanysuch

r ecording.Weneednotremindyouofourrecordingbeforeeachphone c onversation. TELEPHONIC INSTRUCTIONS --Unlesswehaveagreedotherwisein w riting,wearenotrequiredtoactuponinstructionsyougiveusviafacsimile transmissionorleavebyvoicemailoronatelephoneansweringmachine. CLAIM OF LOSS --Ifyouclaimacreditorrefundbecauseofaforgery, a lteration,oranyotherunauthorizedwithdrawal,youagreetocooperate withusintheinvestigationoftheloss,includinggivingusanaffidavit c ontainingwhateverreasonableinformationwerequireconcerningyour a ccount,thetransaction,andthecircumstancessurroundingtheloss.You willnotifylawenforcementauthoritiesofanycriminalactrelatedtotheclaim oflost,missing,orstolenchecksorunauthorizedwithdrawals.Wewillhave a reasonableperiodoftimetoinvestigatethefactsandcircumstances s urroundinganyclaimofloss.Unlesswehaveactedinbadfaith,wewill not beliableforspecialorconsequentialdamages,includinglossofprofits or opportunity,orforattorneys' feesincurredbyyou. Youagreethatyouwillnotwaiveanyrightsyouhavetorecoveryourloss againstanyonewhoisobligatedtorepay,insure,orotherwisereimburseyou foryourloss.Youwillpursueyourrightsor,atouroption,assignthemtous so thatwemaypursuethem.Ourliabilitywillbereducedbytheamountyou r ecoverorareentitledtorecoverfromtheseothersources. EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) --We mayimposeearlywithdrawalpenaltiesonawithdrawalfromatimeaccount evenifyoudon'tinitiatethewithdrawal.Forinstance,theearlywithdrawal penaltymaybeimposedifthewithdrawaliscausedbyoursetoffagainst fundsintheaccountorasaresultofanattachmentorotherlegalprocess. Wemaycloseyouraccountandimposetheearlywithdrawalpenaltyonthe entireaccountbalanceintheeventofapartialearlywithdrawal.Seeyour n oticeofpenaltyforearlywithdrawalsforadditionalinformation. ADDRESS OR NAME CHANGES --Youareresponsiblefornotifyingus of anychangeinyouraddressoryourname.Unlessweagreeotherwise, changeofaddressornamemustbemadeinwritingbyatleastoneofthe accountholders.Informingusofyouraddressornamechangeonacheck r eorderformisnotsufficient.Wewillattempttocommunicatewithyou only byuseofthemostrecentaddressyouhaveprovidedtous.Ifprovided elsewhere,wemayimposeaservicefeeifweattempttolocateyou. RESOLVING ACCOUNT DISPUTES --Wemayplaceanadministrativehold onthefundsinyouraccount(refusepaymentorwithdrawalofthefunds) if it becomessubjecttoaclaimadverseto(1)yourowninterest;(2)others claiminganinterestassurvivorsorbeneficiariesofyouraccount;or(3)aclaim arisingbyoperationoflaw.Theholdmaybeplacedforsuchperiodoftime as webelievereasonablynecessarytoallowalegalproceedingtodetermine themeritsoftheclaimoruntilwereceiveevidencesatisfactorytousthat the disputehasbeenresolved.Wewillnotbeliableforanyitemsthatare d ishonoredasaconsequenceofplacingaholdonfundsinyouraccount for thesereasons. NOW ACCOUNT ORGANIZATION --WehaveorganizedyourNOWaccount inanontraditionalway.YourNOWaccountconsistsoftwo ubaccounts.One s s oftheseisatransactionsubaccount(e.g.,achecking ubaccount).Youwill transactbusinessonthissubaccount.Theotherisanontransactionsubaccount (e.g.,asavingssubaccount).Youcannotdirectlyaccessthenontransaction subaccount,butyouagreethatwemayautomatically,andwithoutaspecific requestfromyou,initiateindividualtransfersoffundsbetweensubaccounts fromtimetotimeatnocosttoyou.Thisaccountorganizationwillnot changetheamountoffederaldepositinsuranceavailabletoyou,your a vailablebalance,theinformationonyourperiodicstatements,ortheinterest calculation,ifthisisaninterest-bearingaccount.Youwillnotseeanydifference betweenthewayyourNOWaccountoperatesandthewayatraditionally o rganizedNOWaccountoperates,butthisorganizationmakesusmore e fficientandhelpstokeepcostsdown. NOW ACCOUNT ELIGIBILITY --Ifyouarenotanindividual,youcertifytous thatyouareeligibletoopenandholdaNOWaccountbecausetheentityin

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whose name the account will be opened and held is either a: Sole Proprietorship; Governmental Agency or Unit; Civic League; Non-Profit Club, Association, Fraternal Society, Order, or Organization; or Escrow Account, Security Deposit, or Trust Account. If the account will be held by a Non-Profit organization, you agree to provide us with appropriate proof of your non-profit status, such as a copy of the 501(c)(3) certification issued by the IRS. If the account is an Escrow Account, a Security Deposit, or a Trust Account, then you further certify to us that all of the beneficiaries of the account, or the entire beneficial interest in the account, is owned or held either by individuals or organizations eligible to own NOW accounts. FUNDS TRANSFERS -- The terms used in this section have the meaning given to them in Article 4A of the Uniform Commercial Code­Funds Transfers (UCC 4A). This section will generally not apply to you if you are a consumer. However, even if you are a consumer, this section will apply to that part of any funds transfer that is conducted by Fedwire. This section is subject to UCC 4A as adopted in the state in which you have your deposit with us. This agreement is also subject to all clearing house association rules, rules of the Board of Governors of the Federal Reserve System and their operating circulars. If any part of this agreement is determined to be unenforceable, the rest of the agreement remains effective. This agreement controls funds transfers unless supplemented or amended in a separate written agreement signed by us. Funds transfer -- A funds transfer is the transaction or series of transactions that begin with the originator's payment order, made for the purpose of making payment to the beneficiary of the order. A funds transfer is completed by the acceptance by the beneficiary's bank of a payment order for the benefit of the beneficiary of the originator's order. Generally, a funds transfer does not include any transaction if any part of the transfer is covered by the Electronic Fund Transfer Act of 1978, as amended from time to time. You may give us a payment order orally, electronically, or in writing, but your order cannot state any condition to payment to the beneficiary other than the time of payment. Authorized account -- An authorized account is a deposit account you have with us that you have designated as a source of payment of payment orders you issue to us. If you have not designated an authorized account, any account you have with us is an authorized account to the extent that payment of the payment order is not inconsistent with the use of the account. Acceptance of your payment order -- We are not obligated to accept any payment order that you give us, although we normally will accept your payment order if you have a withdrawable credit in an authorized account sufficient to cover the order. If we do not execute your payment order, but give you notice of our rejection of your payment order after the execution date or give you no notice, we are not liable to pay you as restitution any interest on a withdrawable credit in a noninterest-bearing account. Cutoff time -- If we do not receive your payment order or communication canceling or amending a payment order before our cutoff time on a funds transfer day for that type of order or communication, the order or communication will be deemed to be received at the opening of our next funds transfer business day. Payment of your order -- If we accept a payment order you give us, we may receive payment by automatically deducting from any authorized account the amount of the payment order plus the amount of any expenses and charges for our services in execution of your payment order. We are entitled to payment on the payment or execution date. Unless your payment order specifies otherwise, the payment or execution date is the funds transfer date we receive the payment order. The funds transfer is completed upon acceptance by the beneficiary's bank. Your obligation to pay your payment order is excused if the funds transfer is not completed, but you are still responsible to pay us any expenses and charges for our services. However, if you told us to route the funds transfer through an intermediate bank, and we are unable to obtain a refund because the intermediate bank that you designated has suspended payments, then you are still obligated to pay us for the payment order. You will not be entitled to interest on any refund you receive because the beneficiary's bank does not accept the payment order.

Security procedure -- As described more fully in a separate writing, the authenticity of a payment order or communication canceling or amending a payment order issued in your name as sender may be verified by a security procedure. You affirm that you have no circumstances which are relevant to the determination of a commercially reasonable security procedure unless those circumstances are expressly contained in a separate writing signed by us. You may choose from one or more security procedures that we have developed, or you may develop your own security procedure if it is acceptable to us. If you refuse a commercially reasonable security procedure that we have offered you, you agree that you will be bound by any payment order issued in your name, whether or not authorized, that we accept in good faith and in compliance with the security procedure you have chosen. Duty to report unauthorized or erroneous payment -- You must exercise ordinary care to determine that all payment orders or amendments to payment orders that we accept that are issued in your name are authorized, enforceable, in the correct amount, to the correct beneficiary, and not otherwise erroneous. If you discover (or with reasonable care should have discovered) an unauthorized, unenforceable, or erroneously executed payment order or amendment, you must exercise ordinary care to notify us of the relevant facts. The time you have to notify us will depend on the circumstances, but that time will not in any circumstance exceed 14 days from when you are notified of our acceptance or execution of the payment order or amendment or that your account was debited with respect to the order or amendment. If you do not provide us with timely notice you will not be entitled to interest on any refundable amount. If we can prove that you failed to perform either of these duties with respect to an erroneous payment and that we incurred a loss as a result of the failure, you are liable to us for the amount of the loss not exceeding the amount of your order. Identifying number -- If your payment order identifies an intermediate bank, beneficiary bank, or beneficiary by name and number, we and every receiving or beneficiary bank may rely upon the identifying number rather than the name to make payment, even if the number identifies an intermediate bank or person different than the bank or beneficiary identified by name. Neither we nor any receiving or beneficiary bank have any responsibility to determine whether the name and identifying number refer to the same financial institution or person. Record of oral or telephone orders -- You agree that we may, if we choose, record any oral or telephone payment order or communication of amendment or cancellation. Notice of credit -- If we receive a payment order to credit an account you have with us, we are not required to provide you with any notice of the payment order or the credit. Provisional credit -- You agree to be bound by the automated clearing house association operating rules that provide that payments made to you or originated by you by funds transfer through the automated clearing house system are provisional until final settlement is made through a Federal Reserve Bank or otherwise payment is made as provided in Article 4A-403(a) of the Uniform Commercial Code. Refund of credit -- You agree that if we do not receive payment of an amount credited to your account, we are entitled to a refund from you in the amount credited and the party originating such payment will not be considered to have paid the amount so credited. Amendment of funds transfer agreement -- From time to time we may amend any term of this agreement by giving you reasonable notice in writing. We may give notice to anyone who is authorized to send payment orders to us in your name, or to anyone who is authorized to accept service. Cancellation or amendment of payment order -- You may cancel or amend a payment order you give us only if we receive the communication of cancellation or amendment before our cutoff time and in time to have a reasonable opportunity to act on it before we accept the payment order. The communication of cancellation or amendment must be presented in conformity with the same security procedure that has been agreed to for payment orders.

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Intermediaries -- We are not liable for the actions of any intermediary, regardless of whether or not we selected the intermediary. We are not responsible for acts of God, outside agencies, or nonsalaried agents. Limit on liability -- You waive any claim you may have against us for consequential or special damages, including loss of profit arising out of a payment order or funds transfer, unless this waiver is prohibited by law. We are not responsible for attorney fees you might incur due to erroneous execution of payment order. Erroneous execution -- If we receive an order to pay you, and we erroneously pay you more than the amount of the payment order, we are entitled to recover from you the amount in excess of the amount of the payment order, regardless of whether you may have some claim to the excess amount against the originator of the order. Objection to payment -- If we give you a notice that reasonably identifies a payment order issued in your name as sender that we have accepted and received payment for, you cannot claim that we are not entitled to retain the payment unless you notify us of your objection to the payment within 60 days of our notice to you. Sharing of account information -- We and the companies in the Susquehanna Bancshares, Inc. ("SBI") family offer a full range of valuable financial services. We can better serve your needs by sharing your account information within our corporate family. You authorize us and the companies that comprise the SBI corporate family to disclose to any of SBI's existing or future subsidiaries, affiliates, and assigns, and to any potential assignee or transferee, any information (including information received from third persons) in or relating to (i) you, (ii) this account, (iii) any other deposit accounts you have previously obtained or may from time to time obtain from us or any of the SBI family of companies in the future, and (iv) any other accounts of any type or nature, including loan accounts, and other relationships you have previously established or may from time to time establish with any of the SBI family of companies in the future. If you maintain consumer accounts with us, the authorization provided above is subject to the Federal Fair Credit Reporting Act disclosures in our Privacy Notice. For certain additional situations when we will disclose account information to third parties, see the Electronic Fund Transfers Disclosures section below.

· Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or statement savings account(s). · Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. · Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Telephone Access System (Direct Dial) Telephone Transfers -- types of transfers -- You may access your account by telephone 24 hours a day using your personal identification number, a touch-tone phone, and your account numbers, to: · transfer funds between statement savings, checking/MMDA account(s) and lines of credit · get information about: - the account balance of statement savings, checking/MMDA account(s) and lines of credit - recent deposits to statement savings and checking/MMDA account(s) - recent withdrawals from statement savings and checking/MMDA account(s) Funds transfers are credited the same business day if your Direct Dial transfer is completed before 8:00 p.m. If the transfer occurs after 8:00 p.m., the deposit will be credited to the account on the next business day. Transfers made on weekends or holidays will be credited the next business day. Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers. ATM Transfers -- types of transfers and dollar limitations -- You may access your account(s) by ATM using your ATM card and personal identification number or Visa® Check Card and personal identification number, to: · make deposits to checking or statement savings account(s) at the Bank's ATMs where available · get cash withdrawals from checking or statement savings account(s) - you may withdraw no more than $600.00 per day · transfer funds between checking and statement savings account(s) · make payments from checking or statement savings account(s) to certain Bank loan(s) at the Bank's ATMs where available · get information about: - the account balance of your checking or statement savings account(s) Some of these services may not be available at all terminals. Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers. Types of ATM Card Point-of-Sale Transactions -- You may access your checking account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution. Point-of-Sale Transactions -- dollar limitations -- Using your card: · you may not exceed $600.00 in transactions per day Types of Visa® Check Card Point-of-Sale Transactions -- You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

ELECTRONIC FUND TRANSFERS

Your Rights and Responsibilities

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third-party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: · Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).

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Point-of-Sale Transactions -- dollar limitations -- Using your card: · You may not exceed $3,000.00 in transactions in a rolling 72-hour period. In the event of a technical communication problem, your purchases may be limited to $600.00 per day, minus any previous outstanding purchases. Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions. Currency Conversion and International Transactions. When you use your Visa® Check Card at a merchant that settles in currency other than U.S. dollars, the charge will be converted into the U.S. dollar amount. The currency conversion rate used to determine the transaction amount in U.S. dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transactions/currency conversions is disclosed on our separate fee schedule. An international transaction is a transaction where the country of the merchant is outside the USA. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Computer Transfers -- types of transfers -- You may access your account(s) by computer using your Internet Banker Identification Number and PIN to: · transfer funds between statement savings, checking/MMDA account(s) and lines of credit · make payments from checking/MMDA, statement savings and lines of credit to loan account(s) with us · make payments from checking to third parties (with optional Bill Payment service) · view account balances (including checking, savings, CDs and IRAs, loans and lines of credit) · view account history · print an account statement · download transactions into your financial management software Funds transfers are credited the same business day if your Internet Banker fund transfer is completed before 8:00 p.m. If the transfer occurs after 8:00 p.m., the deposit will be credited to the account on the next business day. Transfers made on weekends or holidays will be credited the next business day. Please also see Limitations on frequency of transfers section regarding limitations that apply to computer transfers. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: · Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer or by check, debit card (if applicable) or similar order to third parties are limited to six per statement cycle. · Transfers from a statement savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer or by debit card (if applicable) or similar order to third parties are limited to six per statement cycle.

· For security reasons, there are other limits on the number of transfers you can make by ATM or debit card. · For security reasons, there are other limits on the number of transfers you can make by telephone. · For security reasons, there are other limits on the number of transfers you can make by computer. · For security reasons, we may limit access to certain merchants, locations, or websites from time to time. FEES · We do not charge for direct deposits to any type of account. · We do not charge for preauthorized payments from any type of account. · Please refer to our Fee Schedule for additional information about charges. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). DOCUMENTATION · Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less. · Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person orcompany, you may or may not receive proof of the deposit from the person or company making the deposit. If such person or company normally gives you notice of payment, you will not receive any other notice from us. If the person or company does not give such notice, you can call us at 800.311.3182, or the number appearing on the periodic statement, in order to find out whether or not the deposit was made. · Periodic statements. You will get a monthly account statement from us for your checking accounts. You will get a monthly account statement from us for your statement savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. For passbook accounts, if the only possible electronic transfers to or from your account are preauthorized credits, we do not send periodic statements. You may bring your passbook to us and we will record any electronic deposits that were made since the last time you brought in your passbook. PREAUTHORIZED PAYMENTS · Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Please refer to our Fee Schedule for the amount we will charge you for each stop-payment order you give. · Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

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· Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. FINANCIAL INSTITUTION'S LIABILITY Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: (1) if, through no fault of ours, you do not have enough money in your account to make the transfer. (2) if you have an overdraft line and the transfer would go over the credit limit. (3) if the automated teller machine where you are making the transfer does not have enough cash. (4) if the terminal or system was not working properly and you knew about the breakdown when you started the transfer. (5) if circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. There may be other exceptions stated in our agreement with you. CONFIDENTIALITY We will disclose information to third parties about your account or the transfers you make: (1) where it is necessary for completing transfers; or (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (3) in order to comply with government agency or court orders; or (4) if you give us written permission. UNAUTHORIZED TRANSFERS (a) Consumer liability. · Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. · Additional Limit on Liability for Visa® Check Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa® Check Card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by Visa®.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission. ERROR RESOLUTION NOTICE In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. (1) Tell us your name and account number (if any). (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for Visa® Check Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-ofsale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa® Check Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Susquehanna Bank Special Services Department 24 North Cedar Street, PO Box 2010 Lititz, Pennsylvania 17543 Business Days: Monday through Friday Excluding Federal Holidays Phone: 800.311.3182 Reporting a lost access device or PIN or other unauthorized transactions: If you believe that your access device or PIN has been lost, stolen or used by an unauthorized person, or that someone has transferred or may transfer money from your account without your permission, you will tell us at once. The fastest way to notify us is to call 800.311.3182. If you believe your Internet Banker ID and PIN has been lost or stolen, notify us immediately at 800.311.3182. MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

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1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility. 2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information. 3. Compare your records with the account statements you receive. 4. Don't lend your ATM card to anyone. 5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility. 6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don't tell anyone your PIN. Don't give anyone information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. Don't write your PIN where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse. 7. Prevent others from seeing you enter your PIN by using your body to shield their view. 8. If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen. 9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility. 10. Don't accept assistance from anyone you don't know when using an ATM or night deposit facility. 11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later. 12. Don't display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding. 13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings. 14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. Later deposit deadlines for business days may exist on a branch-by-branch or case-by-case basis. If you make a deposit after 3:00 p.m. or on a day we are not open, unless otherwise indicated, we will consider that the deposit was made on the next business day we are open. If you make a deposit at an ATM before 3:00 p.m. 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 at an ATM after 3:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Later cut-off times may apply for deposits made at certain locations. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY Case-by-case delays. 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 deposits, however, will be available on the first business day. 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 day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. 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. 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. Regardless of your ability to use these funds, all Deposits will be applied toward any minimum balance requirements in effect on your account. If a deposited check is returned unpaid after the hold has been removed, your account will be reduced by the amount of the check and the fee disclosed in the Fee Schedule. Should you have any questions about Funds Availability, or services such as direct deposit that can speed access to your deposits, please contact the Customer Service Center at 800.311.3182.

YOUR ABILITY TO WITHDRAW FUNDS

This policy statement applies to all deposit accounts. 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. 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 we will use the funds to pay checks that you have written. 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.

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SPECIAL RULES FOR NEW ACCOUNTS If you are a new customer, the following special rules will apply during the first 30 days your account is open. 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 (and you may have to use a special deposit slip). 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 U.S. 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. Funds from deposits of checks drawn on us will be available on the next business day after the day of your deposit. Funds from all other check deposits will be available no later than the eleventh business day after the day of your deposit. Deposits at Automated Teller Machines: Funds from any Deposits (cash or checks) made at ATMs we own or operate will be made available according to the schedule above. We do not accept deposits at nonproprietary ATMs. All ATMs that we own or operate are identified as our machines but not all accept deposits.

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact your local branch. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: · a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); · an estimate of the amount of your loss; · an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and · a copy of the substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, the date of the check, the name of the person to whom you wrote the check, and the date that the transaction posted to the account.

SUBSTITUTE CHECKS AND YOUR RIGHTS

As our customer we think it's important for you to know about substitute checks. The following Substitute Check Disclosure provides information about substitute checks and your rights. So you will recognize substitute checks when you receive them, we have included a copy of the front side of a substitute check along with an explanation of the substitute check's components. What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

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SUBSTITUTE CHECK IMAGE

Below is an image of a sample substitute check. The numbers listed below the image correspond with the numbers on or near the substitute check image and the corresponding text explains the various components of a substitute check. These numbers correspond with the numbers on the Substitute Check Image: 1 An image of the original check appears in the upper right-hand corner of the substitute check. 2 A substitute check is the same size as a standard business check. 3 The information in asterisks relates to the "reconverting bank" -- the financial institution that created the substitute check. 4 The information in brackets (appears sideways facing check image) relates to the "truncating bank" -- the financial institution that took the original check out of the check processing system. 5 The Legal Legend states: This is a LEGAL COPY of your check. You can use it the same way you would use the original check. 6 The MICR lines at the bottom of the image of the original and at the bottom of the substitute check are the same except for the "4" at the beginning of the MICR line on the substitute check, which indicates that it is a substitute check being moved forward for collection purposes. It is also possible for the MICR line on the substitute check to begin with a "5" if the item is being returned. The rest of the MICR line is the same as the original check to ensure that it is processed as though it were the original.

Rev.: 7/11

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