Account Terms and Conditions

EMBASSY BANK™

For the Lehigh Valley

Banking Without Borders

Important Information

About Deposit Accounts

Privacy

Terms and Conditions

Electronic Transfers

Funds Availability

Substitute Checks

Truth in Savings

TABLE OF CONTENTS

PRIVACY........................................................................................................................................................................ next page

TERMS AND CONDITIONS OF YOUR ACCOUNT ....................................................................................................................3

Important Information About Procedures for Opening a New Account ...................................................................................3

Agreement................................................................................................................................................................................ 3

Liability ..................................................................................................................................................................................... 3

Deposits ................................................................................................................................................................................... 3

Withdrawals.............................................................................................................................................................................. 4

Understanding and Avoiding Overdraft and Nonsufficient Funds (NSF) Fees.........................................................................4

Ownership of Account and Beneficiary Designation ................................................................................................................5

Business, Organization and Association Accounts ..................................................................................................................6

Stop Payments......................................................................................................................................................................... 6

Telephone Transfers ................................................................................................................................................................ 6

Amendments and Termination ................................................................................................................................................ 6

Notices ..................................................................................................................................................................................... 6

Statements ............................................................................................................................................................................... 6

Direct Deposits......................................................................................................................................................................... 7

Temporary Account Agreement ............................................................................................................................................... 7

Setoff........................................................................................................................................................................................ 7

Check Processing .................................................................................................................................................................... 7

Check Cashing......................................................................................................................................................................... 7

Truncation, Substitute Checks, and Other Check Images .......................................................................................................7

Remotely Created Checks ...................................................................................................................................................... 8

Unlawful Internet Gambling Notice........................................................................................................................................... 8

ACH and Wire Transfers .......................................................................................................................................................... 8

Facsimile Signatures................................................................................................................................................................ 8

Authorized Signer..................................................................................................................................................................... 8

Restrictive Legends or Indorsements....................................................................................................................................... 8

Account Transfer...................................................................................................................................................................... 8

Indorsements ........................................................................................................................................................................... 9

Death or Incompetence ........................................................................................................................................................... 9

Fiduciary Accounts................................................................................................................................................................... 9

Credit Verification .................................................................................................................................................................... 9

Legal Actions Affecting Your Account ..................................................................................................................................... 9

Account Security ...................................................................................................................................................................... 9

Telephonic Instructions

.......................................................................................................................................................... 10

Monitoring and Recording Telephone Calls and Consent to Receive Communications........................................................10

Claim of Loss ......................................................................................................................................................................... 10

Early Withdrawal Penalties .................................................................................................................................................... 10

Address or Name Changes.................................................................................................................................................... 10

Resolving Account Disputes .................................................................................................................................................. 11

Waiver of Notices ................................................................................................................................................................... 11

PHISHING SCAM. DON’T TAKE THE BAIT .............................................................................................................................11

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES .....................................................................12

YOUR ABILITY TO WITHDRAW FUNDS ................................................................................................................................. 16

SUBSTITUTE CHECKS AND YOUR RIGHTS ..........................................................................................................................17

TRUTH-IN-SAVINGS DISCLOSURE......................................................................................................................................... 19

Embassy Free For Life Checking Account.............................................................................................................................19

Free Money Manager Checking Account............................................................................................................................... 19

Embassy Teen Checking Account ......................................................................................................................................... 19

Embassy Young Savers Account........................................................................................................................................... 20

Embassy Ingot Gold Savings Account ................................................................................................................................... 20

Diplomat Gold Money Market Account................................................................................................................................... 20

Regular and IRA Certificates of Deposit ................................................................................................................................ 21

Common Features ................................................................................................................................................................. 22

PRIVACY

Rev. October 2010

FACTS

WHAT DOES EMBASSY BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

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.

What?

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 z Overdraft history

z Account balances z Account transactions

z Credit history z Checking account information

When you are no longer our customer, we continue to share your information as described in this

notice.

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 Embassy Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Embassy Bank

share?

Can you limit this sharing?

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

Yes No

For our marketing purposes -

to offer our products and services to you

Yes No

For joint marketing with other financial companies No We don't share

For our affiliates' everyday business purposes -

information about your transactions and experiences

No We don't share

For our affiliates' everyday business purposes -

information about your creditworthiness

No We don't share

For nonaffiliates to market to you No We don't share

Questions?

Call 610-691-5000 or go to [email protected]

Privacy Model Disclosure PRIV-MODEL 8/1/2010

VMP® Bankers Systems™

Page 2

Who We Are

Who is providing this notice? Embassy Bank means Embassy Bank for the Lehigh Valley.

What We Do

How does Embassy 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 also maintain other physical, electronic and procedural safeguards to protect

this information and we limit access to information to those employees for whom

access is appropriate.

How does Embassy Bank collect

my personal information?

We collect your personal information, for example, when you

Open an account z Provide account information

z Apply for a loan z Give us your contact information

z Make deposits or withdrawals from

your account

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

z affiliates from using your information to market to you

z sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and

non-financial companies.

Embassy Bank has no affiliates.

Nonaffiliates Companies not related by common ownership or control. They can be financial and

non-financial companies.

Embassy Bank does not share with nonaffiliates so they can market to you.

Joint Marketing A formal agreement between nonaffiliated financial companies that together market

financial products or services to you.

Embassy Bank doesn't jointly market.

TERMS AND CONDITIONS

OF YOUR ACCOUNT

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight

the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and

record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information

that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

AGREEMENT - This document, along with any other documents we give you pertaining to your account(s), is a contract that

establishes rules which control your account(s) with us. Please read this carefully and retain it for future reference. If you sign

the signature card or open or continue to use the account, you agree to these rules. You will receive a separate schedule of

rates, qualifying balances, and fees if they are not included in this document. If you have any questions, please call us.

This agreement is subject to applicable federal laws, the laws of the state of Pennsylvania and other applicable rules such as

the operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this

agreement can and does vary such rules or laws). The body of state and federal law that governs our relationship with you,

however, is too large and complex to be reproduced here. The purpose of this document is to:

(1) summarize some laws that apply to common transactions;

(2) establish rules to cover transactions or events which the law does not regulate;

(3) establish rules for certain transactions or events which the law regulates but permits variation by agreement; and

(4) give you disclosures of some of our policies to which you may be entitled or in which you may be interested.

If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in

full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in

writing either on the signature card for your account or in some other document. Nothing in this document is intended to vary

our duty to act in good faith and with ordinary care when required by law.

As used in this document the words “we,” “our,” and “us” mean the financial institution and the words “you” and “your” mean

the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the

account. However, this agreement does not intend, and the terms “you” and “your” should not be interpreted, to expand an

individual’s responsibility for an organization’s liability. If this account is owned by a corporation, partnership or other

organization, individual liability is determined by the laws generally applicable to that type of organization. The headings in this

document are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would be

inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and

the plural includes the singular.

LIABILITY - You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the

terms of this account and the schedule of charges. You authorize us to deduct these charges, without notice to you, directly

from the account balance as accrued. You will pay any additional reasonable charges for services you request which are not

covered by this agreement.

Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or

overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and we can deduct

any amounts deposited into the account and apply those amounts to the shortage. You have no right to defer payment of this

liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.

You will be liable for our costs as well as for our reasonable attorneys’ fees, to the extent permitted by law, whether incurred

as a result of collection or in any other dispute involving your account. This includes, but is not limited to, disputes between

you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your

account. This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to

seek the advice of an attorney, whether or not we become involved in the dispute. All costs and attorneys’ fees can be

deducted from your account when they are incurred, without notice to you.

DEPOSITS - We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit

(including items drawn “on us”). Before settlement of any item becomes final, we act only as your agent, regardless of the

form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item. We

may reverse any provisional credit for items that are lost, stolen, or returned. Unless prohibited by law, we also reserve the

right to charge back to your account the amount of any item deposited to your account or cashed for you which was initially

paid by the payor bank and which is later returned to us due to an allegedly forged, unauthorized or missing indorsement,

claim of alteration, encoding error, counterfeit cashier’s check or other problem which in our judgment justifies reversal of

credit. You authorize us to attempt to collect previously returned items without giving you notice, and in attempting to collect

we may permit the payor bank to hold an item beyond the midnight deadline. Actual credit for deposits of, or payable in,

foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for

transactions by mail or outside depository until we actually record them. If you deliver a deposit to us and you will not be

present when the deposit is counted, you must provide us an itemized list of the deposit (deposit slip). To process the deposit,

we will verify and record the deposit, and credit the deposit to the account. If there are any discrepancies between the

Page 3 of 22

amounts shown on the itemized list of the deposit and the amount we determine to be the actual deposit, we will notify you of

the discrepancy. You will be entitled to credit only for the actual deposit as determined by us, regardless of what is stated on

the itemized deposit slip. We will treat and record all transactions received after our “daily cutoff time” on a business day we

are open, or received on a day we are not open for business, as if initiated on the next business day that we are open. At our

option, we may take an item for collection rather than for deposit. If we accept a third-party check or draft for deposit, we may

require any third-party indorsers to verify or guarantee their indorsements, or indorse in our presence.

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. Because we process

checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely

identifies the number, date, amount and payee of the item.

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 by our policy, 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 any frequency

limitations. In addition, we may place limitations on the account until your identity is verified.

Even if we honor a nonconforming request, we are not required to do so later. If you violate the stated transaction limitations

(if any), in our discretion we may close your account or reclassify your account as another type of account. If we reclassify

your account, your account will be subject to the fees and earnings rules of the new account classification.

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.

Cash withdrawals - We recommend you take care when making large cash withdrawals because carrying large amounts of

cash may pose a danger to your personal safety. As an alternative to making a large cash withdrawal, you may want to

consider a cashier’s check or similar instrument. You assume full responsibility of any loss in the event the cash you withdraw

is lost, stolen, or destroyed. You agree to hold us harmless from any loss you incur as a result of your decision to withdraw

funds in the form of cash.

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 signatures or otherwise examine the original check or

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 demand deposit, or from any other savings deposit 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.

UNDERSTANDING AND AVOIDING OVERDRAFT AND NONSUFFICIENT FUNDS (NSF) FEES -

Generally - The information in this section is being provided to help you understand what happens if your account is

overdrawn. Understanding the concepts of overdrafts and nonsufficient funds (NSF) is important and can help you avoid being

assessed fees or charges. This section also provides contractual terms relating to overdrafts and NSF transactions.

An overdrawn account will typically result in you being charged an overdraft fee or an NSF fee. Generally, an overdraft occurs

when there is not enough money in your account to pay for a transaction, but we pay (or cover) the transaction anyway. An

NSF transaction is slightly different. In an NSF transaction, we do not cover the transaction. Instead, the transaction is

rejected and the item or requested payment is returned. In either situation, we can charge you a fee.

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. So you

can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have

paid overdrafts on your account in the past. We can change our practice of paying, or not paying, discretionary overdrafts on

your account without notice to you. You can ask us if we have other account services that might be available to you where we

commit to paying overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep

Page 4 of 22

funds from another account you have with us. You agree that we may charge fees for overdrafts. We may use subsequent

deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees.

Nonsufficient funds (NSF) fees - If an item drafted by you (such as a check) or a transaction you set up (such as a

preauthorized transfer) is presented for payment in an amount that is more than the amount of money in your account, and we

decide not to pay the item or transaction, you agree that we can charge you an NSF fee for returning the payment. Be aware

that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a

transaction is presented for payment. You agree that we may charge you an NSF fee each time a payment is presented if the

amount of money in your account is not sufficient to cover the payment, regardless of the number of times the payment is

presented.

Payment types - Some, but not necessarily all, of the ways you can access the funds in your account include debit card

transactions, automated clearing house (ACH) transactions, and check transactions. All these payment types can use

different processing systems and some may take more or less time to post. This information is important for a number of

reasons. For example, keeping track of the checks you write and the timing of the preauthorized payments you set up will help

you to know what other transactions might still post against your account. For information about how and when we process

these different payment types, see the “Payment order of items” subsection below.

Balance information - Keeping track of your balance is important. You can review your balance in a number of ways

including reviewing your periodic statement, reviewing your balance online, accessing your account information by phone, or

coming into one of our branches.

Funds availability - Knowing when funds you deposit will be made available for withdrawal is another important concept that

can help you avoid being assessed fees or charges. Please see our funds availability disclosure for information on when

different types of deposits will be made available for withdrawal. 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. An

item may be returned after the funds from the deposit of that item are made available for withdrawal. In that case, we will

reverse the credit of the item. 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 times 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.

A temporary debit authorization hold affects your account balance - On debit card purchases, merchants may request a

temporary hold on your account for a specified sum of money when the merchant does not know the exact amount of the

purchase at the time the card is authorized. The amount of the temporary hold may be more than the actual amount of your

purchase. Some common transactions where this occurs involve purchases of gasoline, hotel rooms, or meals at restaurants.

When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your

purchase. This temporary hold, and the amount charged to your account, will eventually be adjusted to the actual amount of

your purchase, but it could be three calendar days, or even longer in some cases, before the adjustment is made. Until the

adjustment is made, the amount of funds in your account available for other transactions will be reduced by the amount of the

temporary hold.

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 over the counter withdrawals, on us checks cashed over the counter, debit card transactions,

automated clearing house (ACH) transactions, fees and service charges first, in the order they are received on the day they

are processed. We process checks (including electronic check conversions and drafts) second, by dollar amount - smallest to

largest on the day they are processed.

If a check, item or transaction is presented without sufficient funds in your account to pay it, you will be charged an NSF or

overdraft fee according to our NSF or overdraft fee policy. We will not charge you a fee for paying an overdraft of an ATM or

one-time debit card transaction if this is a consumer account and you have not opted-in to that service. The amounts of the

overdraft and NSF fees are disclosed elsewhere, as are your rights to opt in to overdraft services for ATM and one-time 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.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form

of ownership and beneficiary designation, if any, specified on the account records. 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) - 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.

Page 5 of 22

Joint Account - No Survivorship (As Tenants In Common) - This is owned by two or more persons, but none of you intend

(merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell

us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the number

of signatures necessary for withdrawal.

Revocable Trust Account - If two or more 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 or

more 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.

BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits will

be paid only on collected funds, unless otherwise provided by law or our policy. You represent that you have the authority to

open and conduct business on this account on behalf of the entity. We may require the governing body of the entity opening

the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization

until we actually receive written notice of a change from the governing body of the entity.

STOP PAYMENTS - 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 electronic fund transfers, may be established by law or our

policy. If we have not disclosed these rules to you elsewhere, you may ask us about those rules.

We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the

manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-

payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must

precisely identify the number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your

account whether you sign the item or not. Generally, if your stop-payment order is given to us in writing it is effective for six

months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. If

the original stop-payment order was oral your stop-payment order will lapse after 14 calendar days if you do not confirm your

order in writing within that time period. We are not obligated to notify you when a stop-payment order expires.

If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify

us for those damages or expenses, including attorneys’ fees. You assign to us all rights against the payee or any other holder

of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware

that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order.

Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive

the item. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we

certified the item).

TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise

arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to

withdrawals made in writing. Limitations on the number of telephonic transfers from a savings account, if any, are described

elsewhere.

AMENDMENTS AND TERMINATION - We may change any term of this agreement. Rules governing changes in interest

rates are provided separately in the Truth-in-Savings disclosure or in another document. For other changes, we will give you

reasonable notice in writing or by any other method permitted by law. We may also close this account at any time upon

reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the

account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the

account to cover any outstanding items to be paid from the account. Reasonable notice depends on the circumstances, and in

some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice

after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your

account, we might immediately freeze or close your account and then give you notice. If we have notified you of a change in

any term of your account and you continue to have your account after the effective date of the change, you have agreed to the

new term(s).

NOTICES - Any written notice you give us is effective when we actually receive it, and it must be given to us according to the

specific delivery instructions provided elsewhere, if any. We must receive it in time to have a reasonable opportunity to act on

it. If the notice is regarding a check or other item, you must give us sufficient information to be able to identify the check or

item, including the precise check or item number, amount, date and payee. Written notice we give you is effective when it is

deposited in the United States Mail with proper postage and addressed to your mailing address we have on file.

STATEMENTS - Your duty to report unauthorized signatures, alterations and forgeries - You must examine your

statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized

signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of

these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used

ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on

the statement but other items with unauthorized signatures or alterations by the same wrongdoer.

Page 6 of 22

You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in

any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you.

You further agree that if you fail to report any unauthorized signatures, alterations or forgeries in your account within 60 days

of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement,

and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary

care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section.

Your duty to report other errors or problems - In addition to your duty to review your statements for unauthorized

signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error or

problem - such as an encoding error or an unexpected deposit amount. Also, if you receive or we make available either your

items or images of your items, you must examine them for any unauthorized or missing indorsements or any other problems.

You agree that the time you have to examine your statement and items and report to us will depend on the circumstances.

However, this time period shall not exceed 60 days. Failure to examine your statement and items and report any errors to us

within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any

errors on items identified in that statement and as between you and us the loss will be entirely yours.

Errors relating to electronic fund transfers or substitute checks - For information on errors relating to electronic fund

transfers (e.g., on-line, mobile, debit card or ATM transactions) refer to your Electronic Fund Transfers disclosure and the

sections on consumer liability and error resolution. For information on errors relating to a substitute check you received, refer

to your disclosure entitled Substitute Checks and Your Rights.

Duty to notify if statement not received - You agree to immediately notify us if you do not receive your statement by the

date you normally expect to receive it. Not receiving your statement in a timely manner is a sign that there may be an issue

with your account, such as possible fraud or identity theft.

DIRECT DEPOSITS - If we are required for any reason to reimburse the federal government for all or any portion of a benefit

payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the federal

government from the account or from any other account you have with us, without prior notice and at any time, except as

prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

TEMPORARY ACCOUNT AGREEMENT - If the account documentation indicates that this is a temporary account agreement,

each person who signs to open the account or has authority to make withdrawals (except as indicated to the contrary) may

transact business on this account. However, we may at some time in the future restrict or prohibit further use of this account if

you fail to comply with the requirements we have imposed within a reasonable time.

SETOFF - We may (without prior notice and when permitted by law) set off the funds in this account against any due and

payable debt any of you owe us now or in the future. If this account is owned by one or more of you as individuals, we may set

off any funds in the account against a due and payable debt a partnership owes us now or in the future, to the extent of your

liability as a partner for the partnership debt. If your debt arises from a promissory note, then the amount of the due and

payable debt will be the full amount we have demanded, as entitled under the terms of the note, and this amount may include

any portion of the balance for which we have properly accelerated the due date.

This right of setoff does not apply to this account if prohibited by law. For example, the right of setoff does not apply to this

account if: (a) it is an Individual Retirement Account or similar tax-deferred account, or (b) the debt is created by a consumer

credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) the

debtor’s right of withdrawal only arises in a representative capacity. We will not be liable for the dishonor of any check when

the dishonor occurs because we set off a debt against this account. You agree to hold us harmless from any claim arising as

a result of our exercise of our right of setoff.

CHECK PROCESSING - We process items mechanically by relying solely on the information encoded in magnetic ink along

the bottom of the items. This means that we do not individually examine all of your items to determine if the item is properly

completed, signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink. You

agree that we have exercised ordinary care if our automated processing is consistent with general banking practice, even

though we do not inspect each item. Because we do not inspect each item, if you write a check to multiple payees, we can

properly pay the check regardless of the number of indorsements unless you notify us in writing that the check requires

multiple indorsements. We must receive the notice in time for us to have a reasonable opportunity to act on it, and you must

tell us the precise date of the check, amount, check number and payee. We are not responsible for any unauthorized

signature or alteration that would not be identified by a reasonable inspection of the item. Using an automated process helps

us keep costs down for you and all account holders.

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.

TRUNCATION, SUBSTITUTE CHECKS, AND OTHER CHECK IMAGES - If you truncate an original check and create a

substitute check, or other paper or electronic image of the original check, you warrant that no one will be asked to make

payment on the original check, a substitute check or any other electronic or paper image, if the payment obligation relating to

the original check has already been paid. You also warrant that any substitute check you create conforms to the legal

Page 7 of 22

requirements and generally accepted specifications for substitute checks. You agree to retain the original check in

conformance with our internal policy for retaining original checks. You agree to indemnify us for any loss we may incur as a

result of any truncated check transaction you initiate. We can refuse to accept substitute checks that have not previously been

warranted by a bank or other financial institution in conformance with the Check 21 Act. Unless specifically stated in a

separate agreement between you and us, we do not have to accept any other electronic or paper image of an original check.

REMOTELY CREATED CHECKS - Like any standard check or draft, a remotely created check (sometimes called a

telecheck, preauthorized draft or demand draft) is a check or draft that can be used to withdraw money from an account.

Unlike a typical check or draft, however, a remotely created check is not issued by the paying bank and does not contain the

signature of the account owner (or a signature purported to be the signature of the account owner). In place of a signature, the

check usually has a statement that the owner authorized the check or has the owner’s name typed or printed on the signature

line.

You warrant and agree to the following for every remotely created check we receive from you for deposit or collection: (1) you

have received express and verifiable authorization to create the check in the amount and to the payee that appears on the

check; (2) you will maintain proof of the authorization for at least 2 years from the date of the authorization, and supply us the

proof if we ask; and (3) if a check is returned you owe us the amount of the check, regardless of when the check is returned.

We may take funds from your account to pay the amount you owe us, and if there are insufficient funds in your account, you

still owe us the remaining balance.

UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions as defined in Federal Reserve Regulation GG are

prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not

limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in

connection with the participation by others in unlawful Internet gambling.

ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as

adopted in the state in which you have your account with us. If you originate a fund transfer and you identify by name and

number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or

beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it

identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing

house association rules. These rules provide, among other things, that payments made to you, or originated by you, are

provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article

4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the

amount credited to your account and the party originating such payment will not be considered to have paid the amount so

credited. Credit entries may be made by ACH. If we receive a payment order to credit an account you have with us by wire or

ACH, we are not required to give you any notice of the payment order or credit.

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.

AUTHORIZED SIGNER (Individual Accounts 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, other than by withdrawing

funds from the account. 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 the designation of an authorized signer.

RESTRICTIVE LEGENDS OR INDORSEMENTS - The automated processing of the large volume of checks we receive

prevents us from inspecting or looking for restrictive legends, restrictive indorsements or other special instructions on every

check. For this reason, we are not required to honor any restrictive legend or indorsement or other special instruction placed

on checks you write unless we have agreed in writing to the restriction or instruction. Unless we have agreed in writing, we are

not responsible for any losses, claims, damages, or expenses that result from your placement of these restrictions or

instructions on your checks. Examples of restrictive legends placed on checks are “must be presented within 90 days” or “not

valid for more than $1,000.00.” The payee’s signature accompanied by the words “for deposit only” is an example of a

restrictive indorsement.

ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent.

Page 8 of 22

-· '

INDORSEMENTS - We may accept for deposit any item payable to you or your order, even if they are not indorsed by you.

We may give cash back to any one of you. We may supply any missing indorsement(s) for any item we accept for deposit or

collection, and you warrant that all indorsements are genuine.

To ensure that your check or share draft is processed without delay, you must indorse it (sign it on the back) in a specific

area. Your entire indorsement (whether a signature or a stamp) along with any other indorsement information (e.g. additional

indorsements, ID information, driver’s license number, etc.) must fall within 1

” of the “trailing edge” of a check. Indorsements

must be made in blue or black ink, so that they are readable by automated check processing equipment.

As you look at the front of a check, the “trailing edge” is the left edge. When you flip the check over, be sure to keep all

indorsement information within 1

” of that edge.

FRONT OF CHECK

Bank Name

and Location

123456789 7654

Pay to the

order of

dollars

Name

Address, City, State

7654

BACK OF CHECK

Memo

TRAILING EDGE

YOUR INDORSEMENT MUST

BE WITHIN THIS AREA

Keep your indorsement

out of this area.

/2"

It is important that you confine the indorsement information to this area since the remaining blank space will be used by others

in the processing of the check to place additional needed indorsements and information. You agree that you will indemnify,

defend, and hold us harmless for any loss, liability, damage or expense that occurs because your indorsement, another

indorsement or information you have printed on the back of the check obscures our indorsement.

These indorsement guidelines apply to both personal and business checks.

DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a right to withdraw funds from your

account(s) dies or is adjudicated (determined by the appropriate official) incompetent. We may continue to honor your checks,

items, and instructions until: (a) we know of your death or adjudication of incompetence, and (b) we have had a reasonable

opportunity to act on that knowledge. You agree that we may pay or certify checks drawn on or before the date of death or

adjudication of incompetence for up to ten (10) days after your death or adjudication of incompetence unless ordered to stop

payment by someone claiming an interest in the account.

FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a fiduciary capacity. A fiduciary is someone who is

appointed to act on behalf of and for the benefit of another. We are not responsible for the actions of a fiduciary, including the

misuse of funds. This account may be opened and maintained by a person or persons named as a trustee under a written

trust agreement, or as executors, administrators, or conservators under court orders. You understand that by merely opening

such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation

to monitor or enforce the terms of the trust or letters.

CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including

preparation of a credit report by a credit reporting agency.

LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ of attachment or

execution, levy, garnishment, search warrant, or similar order relating to your account (termed “legal action” in this section),

we will comply with that legal action. Or, in our discretion, we may freeze the assets in the account and not allow any

payments out of the account until a final court determination regarding the legal action. We may do these things even if the

legal action involves less than all of you. In these cases, we will not have any liability to you if there are insufficient funds to

pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in

accordance with the legal action. Any fees or expenses we incur in responding to any legal action (including, without

limitation, attorneys’ fees and our internal expenses) may be charged against your account. The list of fees applicable to your

account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions.

ACCOUNT SECURITY -

Duty to protect account information and methods of access - It is your responsibility to protect the account numbers and

electronic access devices (e.g., an ATM card) we provide you for your account(s). Do not discuss, compare, or share

information about your account number(s) with anyone unless you are willing to give them full use of your money. An account

number can be used by thieves to issue an electronic debit or to encode your number on a false demand draft which looks like

and functions like an authorized check. If you furnish your access device and grant actual authority to make transfers to

another person (a family member or coworker, for example) who then exceeds that authority, you are liable for the transfers

unless we have been notified that transfers by that person are no longer authorized.

Page 9 of 22

Your account number can also be used to electronically remove money from your account, and payment can be made from

your account even though you did not contact us directly and order the payment.

You must also take precaution in safeguarding your blank checks. Notify us at once if you believe your checks have been lost

or stolen. As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself or

share the loss with us (we may have to share some of the loss if we failed to use ordinary care and if we substantially

contributed to the loss).

Positive pay and other fraud prevention services - Except for consumer electronic fund transfers subject to Regulation E,

you agree that if we offer you services appropriate for your account to help identify and limit fraud or other unauthorized

transactions against your account, and you reject those services, you will be responsible for any fraudulent or unauthorized

transactions which could have been prevented by the services we offered. You will not be responsible for such transactions if

we acted in bad faith or to the extent our negligence contributed to the loss. Such services include positive pay or

commercially reasonable security procedures. If we offered you a commercially reasonable security procedure which you

reject, you agree that you are responsible for any payment order, whether authorized or not, that we accept in compliance

with an alternative security procedure that you have selected. The positive pay service can help detect and prevent check

fraud and is appropriate for account holders that issue: a high volume of checks, a lot of checks to the general public, or

checks for large dollar amounts.

TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed otherwise in writing, we are not required to act

upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine.

MONITORING AND RECORDING TELEPHONE CALLS AND CONSENT TO RECEIVE COMMUNICATIONS - Subject to

federal and state law, we may monitor or record phone calls for security reasons, to maintain a record and to ensure that you

receive courteous and efficient service. You consent in advance to any such recording.

To provide you with the best possible service in our ongoing business relationship for your account we may need to contact

you about your account from time to time by telephone, text messaging or email. However, we first obtain your consent to

contact you about your account in compliance with applicable consumer protection provisions in the federal Telephone

Consumer Protection Act of 1991 (TCPA), CAN-SPAM Act and their related federal regulations and orders issued by the

Federal Communications Commission (FCC).

• Your consent is limited to your account, and as authorized by applicable law and regulations.

• Your consent is voluntary and not conditioned on the purchase of any product or service from us.

With the above understandings, you authorize us to contact you regarding your account throughout its existence using any

telephone numbers or email addresses that you have previously provided to us by virtue of an existing business relationship

or that you may subsequently provide to us.

This consent is regardless of whether the number we use to contact you is assigned to a landline, a paging service, a cellular

wireless service, a specialized mobile radio service, other radio common carrier service or any other service for which you

may be charged for the call. You further authorize us to contact you through the use of voice, voice mail and text messaging,

including the use of pre-recorded or artificial voice messages and an automated dialing device.

If necessary, you may change or remove any of the telephone numbers or email addresses at any time using any reasonable

means to notify us.

CLAIM OF LOSS - The following rules do not apply to a transaction or claim related to a consumer electronic fund transfer

governed by Regulation E (e.g., an everyday consumer debit card or ATM transaction). The error resolution procedures for

consumer electronic fund transfers can be found in our initial Regulation E disclosure titled, “Electronic Fund Transfers.” For

other transactions or claims, if you claim a credit or refund because of a forgery, alteration, or any other unauthorized

withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever

reasonable information we require concerning your account, the transaction, and the circumstances surrounding the loss. You

will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized

withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of

loss. Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or

opportunity, or for attorneys’ fees incurred by you.

You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or

otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue

them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources.

EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - We may impose early withdrawal penalties on a

withdrawal from a time account even if you don’t initiate the withdrawal. For instance, the early withdrawal penalty may be

imposed if the withdrawal is caused by our setoff against funds in the account or as a result of an attachment or other legal

process. We may close your account and impose the early withdrawal penalty on the entire account balance in the event of a

partial early withdrawal. See your notice of penalty for early withdrawals for additional information.

ADDRESS OR NAME CHANGES - You are responsible for notifying us of any change in your address or your name. Unless

we agree otherwise, change of address or name must be made in writing by at least one of the account holders. Informing us

of your address or name change on a check reorder form is not sufficient. We will attempt to communicate with you only by

Page 10 of 22

 
 
 
 
 
   
 
 
       
use of the most recent address you have provided to us. If provided elsewhere, we may impose a service fee if we attempt to 
locate you. 
RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on the funds in your account (refuse payment or 
withdrawal of the funds) if it becomes subject to a claim adverse to (1) your own interest; (2) others claiming an interest as 
survivors or beneficiaries of your account; or (3) a claim arising by operation of law. The hold may be placed for such period of 
time as we believe reasonably necessary to allow a legal proceeding to determine the merits of the claim or until we receive 
evidence satisfactory to us that the dispute has been resolved. We will not be liable for any items that are dishonored as a 
consequence of placing a hold on funds in your account for these reasons. 
WAIVER OF NOTICES - To the extent permitted by law, you waive any notice of non-payment, dishonor or protest regarding 
any items credited to or charged against your account. For example, if you deposit an item and it is returned unpaid or we 
receive a notice of nonpayment, we do not have to notify you unless required by federal Regulation CC or other law. 
————————————— 
PHISHING SCAM. DON’T TAKE THE BAIT 
What is Phishing? 
Phishing is one of the latest cons used by high-tech criminals to facilitate one of America’s leading forms of fraud—identity 
theft. Basically, the scam uses spam (unsolicited e-mail) to bait consumers into disclosing sensitive personal information— 
such as social security numbers, account and routing numbers, credit card numbers, personal identification numbers, 
passwords, and other private data. 
According to the Federal Trade Commission (FTC), the unsolicited e-mails give the appearance of being from legitimate 
businesses. In fact, fraudsters usually pick a business that the potential victim actually does business with, such as a financial 
institution, credit card company, or insurance company. The fraudsters tell the e-mail recipients they need to “update” or 
“validate” their billing information to keep their accounts active. To help set the hook, they even direct their potential victims to 
a web site that imitates the look of the legitimate web site—with logos, colors, and designs to match. Unwittingly, consumers 
then submit their information to the impostor, who then uses the personal data to commit identity theft. 
To avoid getting reeled into one of these scams, the FTC offers the following guidance: 
• If you get an e-mail that warns you—with little or no notice—that an account of yours will be shut down or interest suspended 
unless you reconfirm your billing information, do not reply or click on the link in the e-mail. Instead, contact the legitimate 
company cited in the e-mail using a telephone number or web address you know to be genuine. 
• Avoid e-mailing personal and/or financial information. 
• Look for the “lock” icon on the browser’s status bar before submitting financial information through any web site. It signals 
that your information is secure during transmission. 
• Review credit card and account statements as soon as you receive them to determine whether there are unauthorized 
charges. If your statement is late by more than a couple of days, call your credit card company or financial institution to 
confirm your billing address and account balances. 
• Report suspicious activity to the FTC—send the actual spam e-mail to [email protected]. If you believe you’ve been scammed, 
file your complaint at www.ftc.gov, then visit the FTC’s identity theft web site at www.ftc.gov/idtheft to learn how to 
minimize your risk of damage from identity theft. To help fight fraud, the FTC enters Internet, telemarketing, identity theft, 
and other fraud-related complaints into Consumer Sentinel®—a secure, on-line database available to hundreds of civil and 
criminal law enforcement agencies in the U.S. and abroad. 
• Visit www.ftc.gov/spam for other ways to prevent and avoid e-mail scams and to learn how to deal with deceptive spam. 
As your financial institution, we want to help you combat identity theft. One of the best ways to fight fraud is to educate 
yourself and be aware of a possible scam before it happens to you. Be cautious when providing information, and learn the 
steps you can take to help protect your sensitive, personal information in an attempt to stay ahead of these criminals. 
To file a complaint or get free information on consumer issues, visit www.ftc.gov or call toll free to 1-877-FTC-HELP 
(1-877-382-4357) or TTY: 1-866-653-4261. 
————————————— 
© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved. AIB-TIS-P 8/1/2019  TCM-44x,8d  Custom 5,2bl,3q,4u  201700119-010 
Page 11 of 22 

ELECTRONIC FUND TRANSFERS

YOUR RIGHTS AND RESPONSIBILITIES

THIS ELECTRONIC FUNDS TRANSFER DISCLOSURE ONLY APPLIES TO PERSONAL ACCOUNTS AND DOES NOT

IN ANY WAY APPLY TO BUSINESS ACCOUNTS OR ACCOUNTS USED FOR BUSINESS PURPOSES, BUSINESS

ACCOUNT INFORMATION IS DISCLOSED IN THE “ANYTIME BANKING BUSINESS ACCESS AGREEMENT.”

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).

• Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings

account(s).

• Electronic check conversion. You may provide your check to a merchant or service provider who will scan the check for

the encoded bank and account information. The merchant or service provider will then use this information to convert the

transaction into an electronic fund transfer. This may occur at the point of purchase, or when you provide your check by

other means such as by mail or drop box.

• 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.

Telephone Banking Transfers - types of transfers - You may access your account by telephone 24 hours, 7 days a week at

1-866-227-7360 using your personal identification number, a touch tone phone, your account numbers, and your social

security number, to:

• transfer funds from checking to checking or savings accounts with us

• transfer funds from savings to savings or checking accounts with us

• make payments from checking to loan accounts with us

• make payments from savings to loan accounts with us

• get balance information about checking, savings, and time deposit accounts with us

• get transaction history about checking, savings, and time deposit accounts with us

Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.

ATM Card Transactions - You may access your account(s) by ATM using your ATM card and personal identification number

(PIN), to:

• make deposits to checking or savings accounts with us

• get cash withdrawals from checking or savings accounts with us

- you may make no more than 15 withdrawals per calendar day

- you may withdraw no more than $300.00 per calendar day

(please note that the dollar and frequency limitations are per card NOT per account)

• transfer funds from checking to checking or savings accounts with us

• transfer funds from savings to savings or checking accounts with us

• get balance information about checking or savings accounts with us

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.

Mastercard® ATM 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), and get cash from a merchant, if the merchant

permits, or from a participating financial institution.

• you may make no more than 15 withdrawals per calendar day

• you may purchase no more than $1,500.00 per calendar day

Page 12 of 22

Mastercard Passport 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.

• you may make no more than 15 withdrawals per calendar day

• you may purchase no more than $1,500.00 per calendar day

Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions.

Currency Conversion. If you initiate a transaction with your Passport 3 in a currency other than US Dollars, Mastercard will

convert the charge into a US Dollar amount. The Mastercard currency conversion procedure is based on rates observed in the

wholesale market or, where applicable, on government-mandated rates. The currency conversion rate Mastercard generally

uses is the rate for the applicable currency that is in effect on the day the transaction occurred. However, in limited situations,

particularly where Mastercard transaction processing is being delayed, Mastercard may instead use the rate for the applicable

currency in effect on the day the transaction is processed.

Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. 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.

Please see your cardholder agreement for additional information relating to the use of your ATM/Passport 3.

Anytime (Internet) Banking - types of transfers - You may access your account(s) through the internet by logging onto our

website at www.embassybank.com, or by downloading our mobile banking app, and using your User ID and Password, to:

• transfer funds from checking to checking or savings accounts with us

• transfer funds from savings to savings or checking accounts with us

• transfer funds from line of credit to checking or savings accounts with us

• make payments from checking to third parties

- please refer to our separate fee schedule for charges

• make payments from checking to loan accounts with us

• make payments from savings to loan accounts with us

• get information about checking, savings, and time deposit accounts with us

• get transaction history about checking, savings, and time deposit accounts with us

• get balance information about loan or line of credit with us

You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this

service. Check with your cell phone provider for details on specific fees and charges.

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 savings and/or money market account to another account or to third parties by preauthorized, automatic,

Automated Clearing House (ACH), telephone, or computer transfers or by check, draft, debit card, or similar order to third

parties are limited to six (6) per statement cycle.

• For security reasons, there are other limits on the number of transfers you can make by ATM.

• For security reasons, there are other limits on the number of transfers you can make by debit card.

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.

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 or company, you can call us at 610-882-8800 to find out whether or not the deposit has been made.

• Periodic statements.

You will get a monthly account statement from us for your checking and savings accounts.

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:

Page 13 of 22

Call or write us at the telephone number or address listed in this disclosure 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 separate 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.)

• 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.

(6) 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) as explained in the Privacy Disclosure contained elsewhere in this document.

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 Limits on Liability for Mastercard Debit Card. You will not be liable for any unauthorized transactions using your

Mastercard Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the

risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a

registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

(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 disclosure. You should also call the number or write to the address listed

in this disclosure 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 disclosure, 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).

Page 14 of 22

(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 (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-of-sale 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 (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.

EMBASSY BANK

DEPOSIT OPERATIONS

P.O. BOX 20405

LEHIGH VALLEY, PENNSYLVANIA 18002-0405

Business Days: Monday through Saturday

Excluding Federal Holidays

Phone: 610-882-8800

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.

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.

Page 15 of 22

YOUR ABILITY TO WITHDRAW FUNDS

This policy statement applies to “transaction” accounts and savings accounts. Transaction accounts, in general, are accounts

which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized

transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether

any of your other accounts might also be under this policy.

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.

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 5:00 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 after 5:00 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.

If you make a deposit at an ATM before 2:00 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 2:00 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.

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

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 the

deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of the

deposit. The first $225 of your deposits, however, may 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 that you

make the 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

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.

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 $5,525 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.

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 $5,525 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 $5,525 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 $5,525 will not be available until the second business day after the day of your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES

Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available

unttil the second business day after the day of your deposit.

Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

This rule does not apply at ATMs we own or operate.

All ATMs that we own or operate are identified as our machines.

Page 16 of 22

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).

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 us at:

Embassy Bank for the Lehigh Valley

P.O. Box 20405

Lehigh Valley, Pennsylvania 18002-0405

610-882-8800 (you may be asked to submit your claim in writing)

[email protected]

You must contact us within 60 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 account

number.

Page 17 of 22

oc::+U,2.020

1141.s-o 1

•:□

• 2 3'1 si; ?8•: 0 • 2 3'1 si; ?11

'13 2 • ,o'OOOOO .... ? 50,

1,,1:

□

lo 2 :11,, 5 i; ?81: 0 lo 2:1 t.,, 5 i; ?n• t.,, :I 2 lo

□□

000

1io i.? so,,·

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.













Pat Payor

101 Your Street

Your City, USA 10101

*051000033*

10/28/2020

3112003355102116

This is a LEGAL COPY of

your check. You can use it

the same way you would

use the original check.

[121000374] 10/28/2020

0025671467874451

Your Financial Institution

Your City, USA 10101

Security

Features

Detailed

on Back

DATE

4321

DOLLARS

Memo

PAY TO THE

ORDER OF

68-4567/123

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.

Page 18 of 22

TRUTH-IN-SAVINGS DISCLOSURE

EMBASSY FREE FOR LIFE CHECKING ACCOUNT

Rate Information - This is a non-interest bearing account.

Minimum balance requirements:

There is no minimum balance required to open this account.

There is no minimum balance required to avoid any monthly maintenance fee.

Fees:

No fees for withdrawals made from a foreign automated teller machine (ATM). (Certain transaction fees may be imposed by

the ATM’s host bank.)

No per check fees.

No fees for an ATM (debit) card or for purchases made with the card.

No fees for Telephone or Internet Banking. (Does not include bill pay services.)

Please see the accompanying service fee disclosure for services not specifically mentioned here.

Transaction Limitations - None

The Minimum balance requirements and specifically mentioned services offered free under Fees are features that do not

expire and will not be eliminated as long as this account is open.

FREE MONEY MANAGER CHECKING 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. Frequency of rate changes - We may change the

interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account

every month, on the statement cycle date. If you close your account before interest is credited, you will receive the accrued

interest.

Minimum balance to open the account - You must deposit $1.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of (see

weekly rate sheet) in the account each day to obtain the disclosed annual percentage yield.

Maximum balance restrictions:

Embassy Bank reserves the right to allow, in aggregate, no more than $750,000.00 to be deposited in this or any other

Money Manager Checking and/or Money Manager Checking Plus account. If this restriction is enforced, it will be

determined by combining the balances of all “Money Manager” accounts maintained by an individual or two or more related

parties. Examples of related parties include, but are not limited to: members of the same family, corporations, partnerships, or

other entities, and the persons who control them, corporations, partnerships or other entities which are under common control

or which have a parent-subsidiary relationship, and trusts and their beneficiaries. Multiple accounts bearing the name of the

same person may also be combined whether such name appears in an individual capacity or as a joint owner, tenant in

common, trustee, beneficiary, custodian, executor or attorney-in-fact. Any balances in excess of this maximum restriction will

be returned to the customer(s) of record by Treasurer Check via regular mail and will not earn interest.

Daily balance computation method - 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.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the

deposit of noncash items (for example, checks).

Foreign ATM Rebate - We will refund all or part of an Automated Teller Machine (ATM) surcharge imposed on your account

by another financial institution as follows: We will refund no more than $1.50 per transaction to a maximum of $6.00 per

statement cycle if you maintain an average daily balance of $1,000.00 for that statement cycle. The total refund will be

credited to your balance on the statement cycle date.

EMBASSY TEEN CHECKING ACCOUNT

Rate Information - This is a non-interest-bearing account.

Minimum balance requirements:

There is no minimum balance required to open this account.

There is no minimum balance required to avoid any monthly maintenance fee.

Fees:

No fees for withdrawals made from a foreign automated teller machine (ATM). (Certain transaction fees may be imposed by

the ATM's host bank.)

No fees for an ATM (debit) card or for purchases made with the card.

No fees for Telephone, Internet Banking or Mobile Banking.

Please see the accompanying service fee disclosure for services not specifically mentioned here.

Page 19 of 22

Transaction Limitations:

There will be no check writing capability with this account.

Bill payment services will not be available on this account.

Requirements:

This account is available to customers ages 14-17.

A parent or guardian must be a joint owner on this account. That parent or guardian must also have a personal banking

relationship with Embassy Bank, that includes a checking and/or savings account.

EMBASSY YOUNG SAVERS ACCOUNT

Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may

change the interest rate on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account

on the statement cycle date. If you close your account before interest is credited, you will receive the accrued interest.

Minimum balance to open the account - You must deposit $5.00 to open this account.

Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of (see

weekly rate sheet) in the account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - 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.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the

deposit of noncash items (for example, checks).

Transaction limitations:

Transfers from an Embassy Young Savers account to another account or to third parties by preauthorized, automatic,

telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per calendar

month.

Bonus - You will receive a $5.00 deposit as a bonus when you open the account with at least $5.00. Each year you will

receive a $5.00 deposit from the Bank on your birthday up to, and including 16 years of age. You must maintain a minimum

balance of $100.00 on your birthday to obtain this birthday bonus.

EMBASSY INGOT GOLD SAVINGS ACCOUNT