Quick Guide to your Personal Accounts Personal Checking If you have one of the following PERSONAL Checking accounts with Savings Institute Bank & Trust: Free Checking Wicked Smart Checking Transaction Account Your new Berkshire Bank account will be: Free Checking AccountFeatures: •Minimumbalancetoopen:$10 •FreeOnlineBanking/eStatementswithfreecheck •Nomonthlymaintenancefeeregardlessofbalance imagesincluded maintained •Unlimitedcheckwriting •FreeBerkshireBankdebitcard +NoForeignATMfeesifyouwereintheWickedSmartCheckingproduct.Yoursurcharge(non-BerkshireBankATMfee)willnotbe waived.PleaseseeTermsandConditionsofyouraccountforfurtherdetails. Imagesreturnedwithpaperstatement:$3.50permonth. If you have one of the following PERSONAL Checking accounts with Savings Institute Bank & Trust: Flex Checking Your new Berkshire Bank account will be: GPS Checking AccountFeatures: •Minimumbalancetoopen:$10 •FreeBerkshireBankdebitcard •Nomonthlymaintenancefeeregardlessofbalancemaintained •FreeOnlineBanking/eStatementswithfreecheck •TMNoA feesandsurchargecredits+ imagesincluded whenqualificationsaremet: 1.UseyourBerkshireBankdebitcardforaminimumof15purchases.Qualifyingtransactionsaremeasuredforitemspostedto youraccountforthemonthlyperiodbeginningthefirstbusinessdayofthestatementcyclethroughthelastbusinessdayofthe statementcycle;and 2.UtilizeeStatements. + Yoursurcharge(non-BerkshireBankATMfee)creditsmaybereportabletotheIRSonForm1099-MISC. Please seeTermsandConditionsofyouraccountforfurtherdetails. Imagesreturnedwithpaperstatement:$3.50permonth. If you have one of the following PERSONAL Checking accounts with Savings Institute Bank & Trust: Direct Express Checking VIP Interest Checking High Value Checking Value Checking Your new Berkshire Bank account will be: NOW CheckingŦ AccountFeatures: •Interest-bearingaccount •FreeBerkshireBankdebitcard •Minimumbalancetoopen:$10 •FreeOnlineBanking/eStatementswithfree •Monthlymaintenancefeeof$7*ifyourbalancefallsbelow checkimagesincluded $750anydayofthestatementcycle •Unlimitedcheckwriting • Youmustmaintain$10intheaccounteachdaytoobtainthe disclosedannualpercentageyield *Monthlymaintenancefeewillbewaivedforthreestatementcycles. Please seeTermsandConditionsofyouraccountforfurtherdetails. Imagesreturnedwithpaperstatement:$3.50permonth. Personal Checking (continued) If you have one of the following PERSONAL Checking accounts with Savings Institute Bank & Trust: Fifty Plus Checking 50 Plus Free Interest Checking Your new Berkshire Bank account will be: u NOW Club 50 Checking AccountFeatures: •Interest-bearingaccount •FreeBerkshireBankdebitcard •Minimumbalancetoopen:$10 •FreeOnlineBanking/eStatementswithfree •Monthlymaintenancefeeof$5*ifyourbalancefallsbelow checkimagesincluded $500anydayofthestatementcycle •Unlimitedcheckwriting • Youmustmaintain$1,000intheaccounteachdaytoobtainthe disclosedannualpercentageyield *Monthlymaintenancefeewillbewaivedforthreestatementcycles. Please seeTermsandConditionsofyouraccountforfurtherdetails. Imagesreturnedwithpaperstatement:$3.50permonth. If you have one of the following PERSONAL Checking accounts with Savings Institute Bank & Trust: Choice Alliance Checking Your new Berkshire Bank account will be: Alliance CheckingŦ AccountFeatures: •Interest-bearingaccount •FreeBerkshireBankdebitcard •Minimumbalancetoopen:$10 •FreeOnlineBanking/eStatementswithfree •Monthlymaintenancefeeof$10*ifyourbalancefallsbelow checkimagesincluded $1,000anydayofthestatementcycle •Unlimitedcheckwriting • Youmustmaintain$500intheaccounteachdaytoobtainthe •Freebasic-stylechecks disclosedannualpercentageyield +NoForeignATMfees.Yoursurcharge(non-BerkshireBankATMfee)willnotbewaived. *Monthlymaintenancefeewillbewaivedforthreestatementcycles. Please seeTermsandConditionsofyouraccountforfurtherdetails. Imagesreturnedwithpaperstatement:$3.50permonth. Personal Money Market If you have one of the following PERSONAL Money Market accounts with Savings Institute Bank & Trust: Money Market Statement Savings Money Market Special Premier Choice Money Market Prestige Money Market Your new Berkshire Bank account will be: u Money Market AccountFeatures: •Interest-bearingaccount • Youmustmaintain$10intheaccounteachdayto •Minimumbalancetoopen:$1,000 obtainthedisclosedannualpercentageyield •Monthlymaintenancefeeof$5*ifyourbalancefallsbelow •Canbelinkedtoapersonalcheckingaccounttocover $1,000anydayofthemonthlycalendarperiod overdraftitems *Monthlymaintenancefeewillbewaivedforthreecalendarmonths. PleaseseeTermsandConditionsofyouraccountforfurtherdetails. Imagesreturnedwithpaperstatement:$3.50permonth. YouwillgetaquarterlyaccountstatementfromusforyourMoneyMarketaccountunlessthereareelectronictransactions,in whichcase,youwillreceiveitmonthly. If you have one of the following PERSONAL Money Market accounts with Savings Institute Bank & Trust: Savvy Money Market Smart Money Market Your new Berkshire Bank account will be: u Premium Money Market AccountFeatures: •Interest-bearingaccountthathasablendedrate,dependingon • Youmustmaintain$10intheaccounteachdayto thebalanceinyouraccount obtainthedisclosedannualpercentageyield •Minimumbalancetoopen:$1,000 •Canbelinkedtoapersonalcheckingaccounttocover •Monthlymaintenancefeeof$5*ifyourbalancefallsbelow overdraftitems $1,000anydayofthemonthlycalendarperiod *Monthlymaintenancefeewillbewaivedforthreecalendarmonths. PleaseseeTermsandConditionsofyouraccountforfurtherdetails. Imagesreturnedwithpaperstatement:$3.50permonth. YouwillgetaquarterlyaccountstatementfromusforyourMoneyMarketaccountunlessthereareelectronictransactions,in whichcase,youwillreceiveitmonthly. Personal Savings If you have one of the following PERSONAL Savings accounts with Savings Institute Bank & Trust: Statement Savings Your new Berkshire Bank account will be: Statement SavingsŦ AccountFeatures: •Interest-bearingaccount •FreeBerkshireBankATM/debitcard •Minimumbalancetoopen:$10 •FreeOnlineBanking/eStatements •Monthlymaintenancefeeof$5*ifyourbalancefallsbelow •Canbelinkedtoapersonalcheckingaccounttocover $250anydayofthemonthlycalendarperiod overdraftitems • Youmustmaintain$10intheaccounteachdaytoobtainthe disclosedannualpercentageyield *Monthlymaintenancefeewillbewaivedforthreecalendarmonths. PleaseseeTermsandConditionsofyouraccountforfurtherdetails. YouwillgetaquarterlyaccountstatementfromusforyourStatementSavingsaccountunlessthereareelectronictransactions,in whichcase,youwillreceiveitmonthly. Personal Savings (continued) If you have one of the following PERSONAL Savings accounts with Savings Institute Bank & Trust: Tenant Security Deposit Account Your new Berkshire Bank account will be: Tenant Security Deposit AccountŦ AccountFeatures: •Interest-bearingaccount • Youmustmaintain$10intheaccounteachdaytoobtain •Minimumbalancetoopen:$10 thedisclosedannualpercentageyield •Nopreauthorized,telephonetransferorpartialwithdrawals permitted TheinterestrateforthisaccountistiedtothedepositindexasdeterminedbytheCTBankingCommissioner. PleaseseeTermsandConditionsofyouraccountforfurtherdetails. YouwillgetaquarterlyaccountstatementfromusforyourTenantSecurityDepositSavingsaccount. If you have one of the following PERSONAL Savings accounts with Savings Institute Bank & Trust: Christmas Club Savings All Purpose Club Savings Your new Berkshire Bank account will be: Club SavingsŦ AccountFeatures: •Interest-bearingaccount •Acheckwillbeissuedforthefundsatpayout •Minimumbalancetoopen:$10 •Nopreauthorized,telephonetransferorpartial withdrawalspermitted PleaseseeTermsandConditionsofyouraccountforfurtherdetails. YouwillgetaquarterlyaccountstatementfromusforyourClubSavingsaccount. Thecombinedstatementoptionisnotavailableforthisproduct. ŦNoteregardinginterest-bearingaccounts: •Yourinterestrateandannualpercentageyieldmaychange. •Wemaychangetheinterestrateonyouraccountatanytime. •Atourdiscretion,wemaychangetherateonyouraccount. •Interestwillcompoundeverymonth,andinterestwillbecreditedtoyouraccounteverymonth. •Interestbeginstoaccrueonthebusinessdayyoudepositnon-cashitems(forexample,checks). •Weusethedailybalancemethodtocalculatetheinterestonyouraccount.Thismethodappliesadailyperiodicratetotheprincipalinthe account each day. •Transfersfromasavingsaccounttoanotheraccountortothirdpartiesbypreauthorized,automatic,onlinebanking,telephonetransfer, check,draft,debitcard,orsimilarordertothirdpartiesarelimitedtosixpermonthlystatementperiod.Anexcesstransactionfeemay bechargedforeachtransactioninexcessofthetransactionlimitations.SeeseparateCommonFeaturesFeeSchedule.Ifyouexceed thelimitationsthreetimesinarolling12-monthperiod,wewillcontactyouandconvertyouraccounttoanaccountwithouttransaction limitations.StatementSavingsaccountswillbechangedtoaFreeCheckingaccount,andyouraccountwillnolongerearninterest. uNoteregardinginterest-bearingaccounts: •Theinterestrateandannualpercentageyieldforyouraccountdependupontheapplicableratetier.Theinterestrateandannual percentageyieldforthesetiersmaychange. •Wemaychangetheinterestrateonyouraccountatanytime. •Atourdiscretion,wemaychangetherateonyouraccount. •Interestwillcompoundeverymonth,andinterestwillbecreditedtoyouraccounteverymonth. •Interestbeginstoaccrueonthebusinessdayyoudepositnon-cashitems(forexample,checks). •Weusethedailybalancemethodtocalculatetheinterestonyouraccount.Thismethodappliesadailyperiodicratetotheprincipalinthe account each day. •Transfersfromamoneymarketaccounttoanotheraccountortothirdpartiesbypreauthorized,automatic,onlinebanking,telephone transfer,check,draft,debitcard,orsimilarordertothirdpartiesarelimitedtosixpermonthlystatementperiod.Anexcesstransactionfee maybechargedforeachtransactioninexcessofthetransactionlimitations.SeeseparateCommonFeaturesFeeSchedule.Ifyouexceed thelimitationsthreetimesinarolling12-monthperiod,wewillcontactyouandconvertyouraccounttoanaccountwithouttransaction limitations.MoneyMarketaccountswillbechangedtoaNOWCheckingaccount.Youmayreceivealowerinterestrate,andyour maintenanceservicechargewillchange..