Murphy Bank Merger

Murphy Bank Money Market Checking Account Regarding your account ending in -123. Beginning at close of business April 25, 2014, your checking account referenced above will be a Murphy Bank Money Market Checking account. This account has limited check-writing privileges but a competitive interest rate. There is a minimum daily balance requirement of just $2,500 to avoid the monthly service fee and six free withdrawals per month.

NOTE : Federal regulation limits transfers from this account to another account or to third parties by pre-authorized automatic or telephone transfers to six per statement cycle period, with no more than six transfers by check or similar order to third parties. There is no limit on deposits or the number of withdrawals the customer can make at the ATM, by mail or in person at Murphy Bank.

Minimum to Open

$100

Minimum Daily Balance to Avoid Service Charge

$2,500

Monthly Service Charge

$10

Interest Rate Tier*

$2,500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000 and up

Withdrawals per Month Excess Withdrawal Fee

6

$10

However, rest assured that you have a choice. If you prefer to be moved to a different account, you may choose an account that better suits your needs. We will be happy to put you into the account of your choice. We have enclosed a listing of the checking account options we offer on page 9. Each of our checking accounts allows you to avoid the monthly service charge according to certain account requirements. If you choose to stay in the Money Market Checking account, there will be no action needed on your part. If you prefer a different account, please let us know. We want to emphasize to you that your relationship with us is very important, and we want to continue to provide the exceptional service to which you have become accustomed. Monthly Checking Statements All Old Towne Bank checking and savings accounts will have a statement prepared on the night of April 25. For most customers, this will be a partial month’s statement. After conversion, your next statement date will be as close to your current statement date as possible.

Due to partial statements and our desire to make sure you are in the best account possible, we will waive all service charges for three statement cycles. Beginning with your fourth statement cycle, standard charges will occur. Convenience Murphy Bank strives to provide you with convenient ways to manage your accounts and to get help when you need it: • A staff dedicated to providing outstanding customer service • 24/7 Automated Phone Banking • 6 Branches & 5 ATMs • Online Banking and Bill Pay • e-Statments • Mobile Banking: Text, web. apps

www.mcompany.com

4 |