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| Advantage Checking |
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| This interest-bearing account can be opened with $50 (with no minimum balance required to earn interest). In addition, the $10 monthly fee is waived for customers that maintain a $5,000 total deposit relationship*. |
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| As with our other checking accounts, free on-line banking and bill payment are included. E-statements are also available with this account. |
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| Advantage Checking customers also receive several Heritage Discounts (including free basic checks, free cashiers checks, free money orders, no-fee license stickers, no-fee single signer travelers checks and $5 annual safe deposit box discount). |
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| * Total Deposit Relationship - All checking accounts, savings accounts and CDs an individual currently has with Heritage Bank. |
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This is not a complete disclosure of account guidelines and fees. Please see a customer service representative for rates and
complete details. |
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