For example, with Check Imaging, balancing your checkbook has never been easier! No more putting checks in order by hand. We do it for you! Check images are sorted in numerical order, just like your statement. The check number, date paid and amount are printed below. This makes it easy to store and the Internal Revenue Service accepts images as proof of payment.

And with No Bounce Protection Options with your Country Bank checking account, you can add the additional feature of overdraft protection by choosing one of two options: Overdraft Transfer Service or Country Clout. Whatever option you choose, you will also receive:

• A complimentary order of 50 checks for new accounts,
• 24 hour/7 day a week ATM access,
• 24 hour/7day a week telephone banking,
• A staff of banking professionals who will provide you the best banking service around!

Note on interest-bearing accounts: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest is compounded daily and credited monthly to your account. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest rate may change at any time at bank discretion.

Relationship Checking
The Country Bank Relationship Checking Account is a no service fee checking plan offered to consumers who have an affiliated balance in savings, money market or certificate of deposit.

Contact your Country Bank Representative for complete disclosure.

Basic Banking Checking
This is a checking plan with limited check writing privileges available only to New York State residents. Account holder may not maintain any other transaction account unless the other account is a burial fund account.

Contact your Country Bank Representative for complete disclosure.

Regular Checking
A no monthly maintenance charge plan is available when you maintain the established minimum daily balance requirement.

Contact your Country Bank Representative for complete disclosure.

Age 55 and over checking
This is a checking plan for Senior Citizens providing no service fee for checking with limited check writing privileges.

Contact your Country Bank Representative for complete disclosure.

NOW Checking
Earn interest on your checking with no monthly maintenance fee if the minimum daily balance requirement is maintained.

Contact your Country Bank Representative for complete disclosure.

Money Market Account
Earn money market rates with the security of FDIC insurance. The Country Bank Money Market Account is an interest bearing account with limited check writing privileges. You must open the account with an initial deposit of $2,500 and maintain a balance of $2,500 to obtain interest. There is no monthly maintenance charge with balances of $2,500 or more. If the balance falls below $2,500 there is a $15.00 maintenance charge.

Contact your Country Bank Representative for complete disclosure.

Statement Savings
If you want to begin to build a nest egg but are fearful of tying your money up, our Statement Savings is for you. Statement Savings is a day to day savings with a minimum balance of $500. Interest is compounded daily and credited to the account monthly.

Contact your Country Bank Representative for complete disclosure.

Check/ATM Card
We've added the VISA symbol to our ATM card to create the Country
Check Card . . . Country Bank's Debit Card. The Country Check Card works like a check. You can use it anywhere the VISA logo is accepted. Country Check Card can also be used as an ATM card. You can use it to withdraw cash, transfer money between accounts or just check your balances from anywhere in the U.S., Europe and Japan. You can use it at any ATM that has the NYCE or PLUS network symbols.

If the Country Check Card is not for you, you can still have the convenience of 24 hour banking with our Country Cash Card.

The Choice is Yours.

Xpress Banking 24 Hours A Day
Xpress Banking is your connection to Country Bank, giving you immediate access to the information you need most often. With Xpress Banking, you can quickly and easily:

• Make account balance inquiries,
• Determine transactions on your account,
• Verify social security deposits as well as other electronic fund or ATM transactions,
• Verify interest paid and earned information during tax time,
• Obtain rate information,
• Request a Fax Account statement.

Overdraft Transfer Service
Establish a Country Bank Savings Account and we will link it to your Country Bank Checking Account. If your account ever becomes overdrawn we will transfer funds in increments of $100 to cover the overdraft. You will be charged a service fee - a limited number of transfers available.

Country Clout
Country Clout is a line of credit linked to your Country Bank Checking Account and is activated only when a check you have written, an automatic debit or an ATM transaction overdraws your checking account. You pay no fees until you use the account and then you pay interest only on the amount you use.

Contact your Country Bank Representative for complete disclosure.