¹ Customers who are at least 65 years old or less than 19 years old are limited to one free savings and one free checking account per customer. NSF and uncollected funds fees are reduced to $5 per item. ² Your Cash Back Debit Rewards (“Open Rewards”) and ATM Surcharge Reimbursements will be calculated based on the average monthly balance in your Open Account, as of the current statement cycle date for the statement cycle period. This date can be found on the top right hand corner of page one of your monthly statements, under the heading “Statement Ending.” ³ If you initiate a transaction at an ATM not operated by Salem Five, a surcharge may be applied by that operator and/or by an automated transfer network. For Open Rewards: Premier, all surcharges will be reimbursed each statement cycle. For Open Rewards: Prime Plus, surcharges will be reimbursed up to $7.50 each statement

⁴ A savings account is a limited transaction account that permits up to six pre-authorized, automatic or telephone transfers per calendar month to third parties or between deposit accounts within the Bank. Debits in excess of these limitations are assessed the excess debit fee. ⁵ Customers who are at least 65 years old or less than 19 years old are limited to one free savings and one free checking account per customer. Insufficient Funds (NSF) and uncollected funds fees are reduced to $5 per item. ⁶ If you initiate a transaction at an ATM not operated by Salem Five, you may also be charged a surcharge by that operator and/or by an automated transfer network.

⁷ A Money Market account is a limited transaction investment account that permits up to six pre-authorized, automatic or telephone transfers per calendar month. Transfers or withdrawals by check, debit card, or similar order payable to third parties are included in the aggregate limit of pre-authorized transfers. Debits in excess of these limitations are assessed the excess debit fee. Check access is not available for Star Money Market accounts. ⁸ If you initiate a transaction at an ATM not operated by Salem Five, you may also be charged a surcharge by that operator and/or by an automated transfer network.

⁹ This per item fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, and other electronic means (as applicable), whether the item is paid at our discretion or returned unpaid. For accounts flagged as 18/65, the $35 per item fee is reduced to $5 per item. The first five (5) NSF items paid per day will be charged the fee as an NSF Paid Item Fee, whereas any NSF items returned unpaid will be charged an NSF Returned Item Fee. Should a transaction overdraw your account in the amount of $5.00 or less, your account will not be charged.

¹⁰ As established from time to time by the Commissioner of Banks. If the item returned is drawn on an account held by the Salem Five account holder at another bank, the fee assessed is $7.50.

¹¹ Per statement, deposit slip or check (first 25 checks requested annually per account are free after which the per item charge applies).

¹² The inactivity fee will be imposed on checking accounts if the average daily balance is below $250.00 and the account has been inactive for the preceding 12 months.

¹³ If your account requires eStatements, Salem Five may assess this fee if you fail to register for, or at any time you discontinue, receiving eStatements.

¹⁴ Additional charges may be assessed by intermediary bank(s). These charges will be deducted from the check or wire transfer proceeds.

⁹ This per item fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, and other electronic means (as applicable), whether the item is paid at our discretion or returned unpaid. For accounts flagged as 18/65, the $35 per item fee is reduced to $5 per item. The first five (5) NSF items paid per day will be charged the fee as an NSF Paid Item Fee, whereas any NSF items returned unpaid will be charged an NSF Returned Item Fee. Should a transaction overdraw your account in the amount of $5.00 or less, your account will not be charged.

¹⁰ As established from time to time by the Commissioner of Banks. If the item returned is drawn on an account held by the Salem Five account holder at another bank, the fee assessed is $7.50.

¹¹ Per statement, deposit slip or check (first 25 checks requested annually per account are free after which the per item charge applies).

¹² The inactivity fee will be imposed on checking accounts if the average daily balance is below $250.00 and the account has been inactive for the preceding 12 months.

¹³ If your account requires eStatements, Salem Five may assess this fee if you fail to register for, or at any time you discontinue, receiving eStatements.

¹⁴ Additional charges may be assessed by intermediary bank(s). These charges will be deducted from the check or wire transfer proceeds.

⁹ This per item fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, and other electronic means (as applicable), whether the item is paid at our discretion or returned unpaid. For accounts flagged as 18/65, the $35 per item fee is reduced to $5 per item. The first five (5) NSF items paid per day will be charged the fee as an NSF Paid Item Fee, whereas any NSF items returned unpaid will be charged an NSF Returned Item Fee. Should a transaction overdraw your account in the amount of $5.00 or less, your account will not be charged.

¹⁰ As established from time to time by the Commissioner of Banks. If the item returned is drawn on an account held by the Salem Five account holder at another bank, the fee assessed is $7.50.

¹¹ Per statement, deposit slip or check (first 25 checks requested annually per account are free after which the per item charge applies).

¹² The inactivity fee will be imposed on checking accounts if the average daily balance is below $250.00 and the account has been inactive for the preceding 12 months.

¹³ If your account requires eStatements, Salem Five may assess this fee if you fail to register for, or at any time you discontinue, receiving eStatements.

¹⁴ Additional charges may be assessed by intermediary bank(s). These charges will be deducted from the check or wire transfer proceeds.