NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account including an Interest on Lawyer Trust Account (IOLTA) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit www.fdic.gov/deposit/deposits/unlimited/expiration.html Consumer Banking Services Deposit Accounts and Related Products Cecil Bank offers many deposit product to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations. Please click on the "Current Rates" link for rates on any of our deposit products. If you need to reorder checks use our secure Check Reorder Form. Regular Checking: Unlimited Check Writing - No Per Check Charge ATM Access Overdraft Protection Available Imaged Checks $3.00 Maintenance Fee Waived With $100.00 Minimum Balance $3.00 Maintenance Fee Waived With Payroll, Pension, or Social Security Direct Deposit $50 minimum deposit required to open NOW Interest Checking: Unlimited Check Writing - No Per Check Charge Interest Bearing Account ATM Access Overdraft Protection Available Imaged Checks $5.00 Maintenance Fee Waived With $300.00 Minimum Balance $50 minimum deposit required to open and $10 minimum balance required to obtain the APY NOW High Yield Checking: Unlimited Check Writing - No Per Check Charge High-Yield Interest Bearing Account ATM Access Overdraft Protection Available Imaged Checks with Bank Statment Direct Deposit and eStatements required $9.00 Maintenance Fee Waived With Payroll, Pension, or Social Security Direct Deposit and $300.00 Minimum Balance $50 minimum deposit required to open and $10 minimum balance required to obtain the APY Silver & Gold Checking: Age 55 or above FREE CHECKS (limited to one box per year on anniversary date of account opening) Direct Deposit Required of Payroll, Pension, or Social Security check to waive the $5 Monthly Maintenance Fee No Minimum Balance Required High Yield Interest Bearing Account Discounted Safe Deposit Box (on first year rental only) Unlimited Check Writing - No Per Check Charge ATM Access Overdraft Protection Available Imaged Checks $50 minimum deposit required to open and $10 minimum balance required to obtain the APY Student Checking: Students under the age of 23 Unlimited Check Writing - No Per Check Charges ATM Access Overdraft Protection Available Imaged Checks $3.00 Maintenance Fee Waived with E-Statements $50 minimum deposit required to open Business Checking: $2,500.00 minimum balance to avoid $10.00 monthly service charge Unlimited Check Writing - No Per Check Charge Small Business Checking: $500.00 minimum balance to avoid $10.00 monthly service charge You may write up to 10 checks per month to avoid monthly service charge Overdraft Protection Available Imaged Checks Passbook Savings Account: Interest is compounded daily and posted to your passbook quarterly Your money is available anytime with no penalty for withdrawal $10 minimum deposit required to open and $10 minimum balance required to obtain the APY Statement Savings Account: Interest is compounded daily and posted to your account monthly ATM Access Your money is available anytime with no penalty for withdrawal $10 minimum deposit required to open and $10 minimum balance required to obtain the APY Club Accounts: $10.00 minimum daily balance to obtain the disclosed annual percentage yield Interest is compounded annually and posted to your account annually in October Convenient check arrives for your availability by mid-October $1 minimum deposit required to open and $10 minimum balance required to obtain the APY Money Market Account: $2,500.00 minimum balance Interest is compounded daily and posted to your account monthly Your money is available anytime with no penalty for withdrawal $50 minimum deposit required to open and $10 minimum balance required to obtain the APY Jumbo Money Market Account: $50,000.00 minimum balance Earn a higher yield over the standard money market account rate Interest is compounded daily and posted to your account monthly Your money is available anytime with no penalty for withdrawal $50 minimum deposit required to open and $10 minimum balance required to obtain the APY Traditional Certificates of Deposit: Maturities from 91 Days to 5 Years Interest is compounded daily and posted to your account monthly With a minimum balance of $500.00, interest earned may be reinvested, transferred to another account, or paid by check Access Money Market Certificate of Deposit: One year term Interest is compounded daily and posted to your account monthly No penalty for early withdrawal With a minimum balance of $500.00, interest earned may be reinvested, transferred to another account, or paid by check Statements mailed quarterly Individual Retirement Account: 18 or 60 Month Terms Interest is compounded daily and posted to your account monthly Minimum balance of $100.00 Other Consumer & Business Services: Business Time Deposits Direct Deposit of Payroll Night Deposit Combined Statements eStatements Bill Payment Depository for Taxes Safe Deposit Boxes Business Loans with Competitive Rates Wire Transfer Services Notary Public and Signature Guarantee Services Travelers Checks Money Orders Gift Checks