MINIMUM BALANCE REQUIREMENTS. You must deposit $100.00 to open this account. A monthly account service fee of $20.00 will be imposed every month if the daily balance on any day of the month falls below $2,500.00.

DORMANT/INACTIVE ACCOUNT INFORMATION. The bank imposes a $25.00 per month charge on dormant accounts to cover the special handling needed to service these accounts. If you have not made a withdrawal from, or a deposit to, your account for an extended period of time (defined as two years) and we have been unable to contact you, your account may be classified by us as dormant. Subject to applicable law, we may charge a dormant account fee on the account, and the account will be presumed to be abandoned. In accordance with state law, funds in abandoned accounts will be remitted to the custody of the applicable state agency and we will have no further liability to you for such funds. We reserve the right not to send statements on account we consider dormant, subject to applicable law.

PROCESSING ORDER. All credit transactions are processed first. Checks will be processed in serial number order and then debits or withdrawals will be deducted from the account. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees.

TRANSACTION LIMITATIONS. You are allowed to have up to 250 checks and 250 deposits processed per statement cycle at no charge. Items in excess of these amounts are assessed $0.35 per transaction.

FEES AND CHARGES. Please refer to the separate Grove Bank & Trust Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Grove Bank & Trust Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.