Checking Accounts

MoreBank ‘s Personal Checking account comes with no minimum balance or direct deposit requirements. It has no monthly maintenance fee and unlimited check writing. It offers MoreBank Debit Card and Online banking Features and Benefits: Unlimited check writing Online Banking Bill Pay Use of MoreBank ATMs Automated Telephone Banking Detailed Monthly Statements Check Image Statements Unlimited Transactions FDIC Insurance up to $250,000 through December 31, 2013 Requirements: No minimum balance requirement No monthly maintenance fee

PERSONAL CHECKING Minimum Balance NONE Monthly S/C NONE Transaction Charges NONE Master Card Debit Card YES Telephone Access YES Internet Access YES Direct Deposit YES Interest NONE Statement MONTHLY

Money Market Accounts

MoreBank ‘s Money Market account offers tiered market rates of interest, but without the associated risks. It is an ideal account type to place grown CD interest, dividends and Social Security payments. It offers use of Online Banking and MoreBank Debit Card. Features and Benefits: Tiered interest rates Limited check writing Online Banking Limited Bill Pay Use of MoreBank ATMs Automated Telephone Banking Detailed monthly statements Check image statements Unlimited teller transactions FDIC Insurance up to $250,000 through December 31,2013 Requirements: No monthly maintenance fee* *$1,000 balance to earn interest and avoid $10 monthly service charge

MONEY MARKET CHECKING Minimum Balance $1,000 Monthly S/C NONE*** Transaction Charges NONE***** Interest TIERED Master Card Debit Card YES Internet Access YES Telephone Access YES Direct Deposit YES Statement MONTHLY *** $10 if monthly average balance is less than $1,000 ***** Limited Transactions See Disclosure

NOW Accounts

MoreBank’s NOW account comes with no minimum balance or direct deposit requirements. It has no monthly maintenance fee if a $1,000 balance is maintained. Unlimited check writing. It offers MoreBank debit card and Online banking Features and Benefits: Competitive Interest Rates Unlimited check writing Online Banking Bill Pay Use of MoreBank ATMs Automated Telephone Banking Detailed monthly statements Check image statements Unlimited teller transactions FDIC Insurance up to $250,000 through December 31,2013 Requirements: No minimum balance requirement No monthly maintenance fee $1,000 balance to earn interest and avoid $10 monthly service charge

NOW CHECKING Minimum Balance $1,000 Monthly S/C NONE*** Transaction Charges NONE Master Card Debit Card YES Interest COMPETITIVE RATES Internet Access YES Telephone Access YES Direct Deposit YES Statement MONTHLY *** $10 if monthly average balance is less than $1,000

Senior NOW Accounts

MoreBank ‘s Senior NOW account comes with no minimum balance or direct deposit requirements. It has no monthly maintenance fee. Unlimited check writing. It offers MoreBank debit card and Online banking. Features and Benefits: Competitive Interest Rates Unlimited check writing Online Banking Bill Pay Use of MoreBank ATMs Automated Telephone Banking Detailed monthly statements Check image statements Unlimited teller transactions FDIC Insurance up to $250,000 through December 31,2013 Requirements: No minimum balance requirement No monthly maintenance fee $100 balance to earn interest

SENIOR NOW CHECKING Minimum Balance None (correction) Monthly S/C NONE Transaction Charges NONE Interest TIERED Master Card Debit Card YES Direct Deposit YES Internet Access YES Telephone Access YES Statement MONTHLY

MasterCard Debit Card

MoreBank’s MasterCard Debit Card is a type of "debit" card that looks similar to a credit card but acts like a check because the purchase amount is charged to the checking account linked to the card Features and Benefits: Quicker than making a trip to the ATM More convenient than writing checks Safer than carrying cash Accepted at millions of merchant worldwide MoreBank’s MasterCard Debit card purchases are automatically deducted from checking account Requirements: Checking Accounts