TRUTH-IN-SAVINGS DISCLOSURES DEMAND DEPOSIT ACCOUNTS Progressive Checking Balance Information: You must deposit at least $100.00 to open this account. No minimum daily balance requirement. Fees: There are no monthly maintenance fees. Additional Information: eStatments are required for this account. Should you want to receive a paper summary, there will be a $5.00 fee for each statement cycle in which a paper statement is received. For additional information regarding our fees, please refer to our fee schedule. Statement Manager Balance Information: You must deposit at least $100.00 to open this account. A maintenance fee of $10.00 will be imposed every statement cycle if the daily balance for the statement cycle falls below $1,000.00. Fees: $10.00 monthly maintenance fee if balance falls below the minimum requirement any day of the statement cycle. $2.00 check imaging fee will be charged per statement cycle for check images. Additional Information: For additional information regarding our fees, please refer to our fee schedule. Personal NOW Account We reserve the right to at any time require not less than 7 days’ notice in writing before any withdrawal from an interest bearing account. Rate Information: The interest rate for your account is .15% with an annual percentage yield of .15%. Your interest rate and annual percentage yield may change. This is a variable rate account. At our discretion, we may change the interest rate on your account at any time. Compounding and Crediting: Interest will be compounded monthly and will be credited monthly to your account. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The period we use is statement cycle. If you close your account before interest is credited, you will receive the accrued interest. Balance Information: You must deposit at least $100.00 to open this account. A maintenance fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $800.00 any day of the statement cycle. The period we use is statement cycle. You must maintain a minimum balance of $800.00 in the account each day to obtain the disclosed annual percentage yield. Interest begins to accrue the business day you deposit noncash items (for example, checks). Fees: $2.00 check imaging fee will be charged per statement cycle for check images. Additional Information: For additional information regarding our fees, please refer to our fee schedule. Personal Super NOW Account We reserve the right to at any time require not less than 7 days’ notice in writing before any withdrawal from an interest bearing account. Rate Information: The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Interest Rate Tiers Balance Required Rate APY $1.00 -$999.99 0.150% 0.15% $1,000-$2,499.99 0.150% 0.15% $2,500 and up 0.200% 0.20% This is a variable rate account. At our discretion, we may change the interest rate on your account at any time. Compounding and Crediting: Interest will be compounded monthly and will be credited monthly to your account. FARMERS BANK, DEMAND DEPOSITS: TRUTH IN SAVINGS DATED: DECEMBER, 2014 We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The period we use is statement cycle. If you close your account before interest is credited, you will receive the accrued interest. Balance Information: You must deposit at least $100.00 to open this account. A maintenance fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the statement cycle. The period we use is statement cycle. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. The period we use is statement cycle. Interest begins to accrue the business day you deposit noncash items (for example, checks). Fees: $2.00 check imaging fee will be charged per statement cycle for check images. Additional Information: For additional information regarding our fees, please refer to our fee schedule. Money Market Checking We reserve the right to at any time require not less than 7 days’ notice in writing before any withdrawal from an interest bearing account. Rate Information: The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Interest Rate Tiers Balance Required Rate APY $1.00 -$2,499.99 0.05% 0.05% $2,500.00-$9,999.99 0.05% 0.05% $10,000.00-$24,999.99 0.10% 0.10% $25,000.00-$49,999.99 0.15% 0.15% $50,000.00-$99,999.99 0.20% 0.20% $100,000.00-$249,999.99 0.30% 0.30% $250,000.00-$999,999.99 0.30% 0.30% $1,000,000.00 and up 0.30% 0.30% This is a variable rate account. At our discretion, we may change the interest rate on your account at any time. Compounding and Crediting: Interest will be compounded monthly and will be credited monthly to your account. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The period we use is statement cycle. If you close your account before interest is credited, you will receive the accrued interest. Balance Information: You must deposit at least $100.00 to open this account. A maintenance fee of $8.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the statement cycle. The period we use is statement cycle. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. The period we use is statement cycle. Interest begins to accrue the business day you deposit noncash items (for example, checks). Transaction Limitations: You may make six (6) transfers from your account each statement cycle or similar period, if by preauthorized or automatic transfer or telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Fees: A fee of $8.00 will be charged for each check or other debit that exceeds the six (6) allowed during the statement cycle. $2.00 check imaging fee will be charged per statement cycle for check images. Additional Information: For additional information regarding our fees, please refer to our fee schedule. FARMERS BANK, DEMAND DEPOSITS: TRUTH IN SAVINGS DATED: DECEMBER, 2014 .