Eaton National Bank & Trust Co.

Deposit Accounts

XPRESS CHECKING ACCOUNT

Enjoy no minimum balance, no monthly service charge, unlimited check writing.

Limitations: You must deposit $100.00 to open this account

* If E-Statements are elected, the first minimum order of personal, basic wallet or

duplicated checks are free.

* Retail Sweep Service available

* Overdraft privilege available

XPRESS PLUS CHECKING ACCOUNT

Unlimited check writing while earning interest. Limitations: You must deposit $750.00 to

open this account. Each month you will be assessed a service charge of $15.00. You may

avoid this fee if you maintain, each day during the month, a daily balance of at least

$750.00.

* If E-Statements are elected, the first minimum order of personal, basic wallet or

duplicated checks are free.

* Free check images

STUDENT XPRESS CHECKING ACCOUNT

For on-the-go students. Enjoy unlimited check writing, no minimum balance and no

monthly service charge. Limitations:

You must deposit $50.00 to open this account. Available to students between 16-24 years

of age. Account will remain open for a period of 5 years from the date of account

opening. Eligibility may be extended upon validation of student status. Must be 18 years

old to qualify for account individually.

* Monthly E-Statements required

* ENB loan processing fee waived on first ENB auto loan with automatic funds transfer.

* ENB will waive its fee on first 3 foreign ATM withdrawals per month.

* Retail Sweep Service available

* Overdraft Privilege available

FREEDOM XPRESS CHECKING ACCOUNT

Enjoy unlimited check writing, no minimum balance, and no monthly service

charge.Limitations:

You must deposit $100.00 to open this account. Available to customers 55 years young or

older.

* Premium rate for conversion of employee retirement plan to ENB IRA or self-directed

IRA.

* Premium rate on CD’s or IRA’s

* Free investment session with ENB Trust Department

* If E-Statements are elected, the first minimum order of personal, basic wallet or

duplicated checks are free.

* Retail Sweep Service available

* Overdraft Privilege available

* 1/2% discount on consumer installment loans with AFT

ENB ELITE

This account pays a competitive rate of interest on savings.Limitations: A new or existing

ENB checking account is required. To open this account you must deposit $2,500.00.

* During the statement cycle, you may not make more than six withdrawals or transfers

to another account of yours or to a third party by means of a pre-authorized or automatic

transfer or telephonic order or instructions. No more than three of the six transfers may

be made by check, draft, debit card, if applicable, or similar order to a third party.

* We will charge you a fee per transaction made by check, draft, debit card, if applicable,

or similar order to a third party beyond three per statement cycle. If you continue to

violate these limits after we have contacted you, we will close your account and place the

funds in another account that you are eligible to hold, or we will take away the draft and

transfer capabilities of this account.

All Accounts offer:

* Free Account Access ATM/Debit Card

* Free Internet Banking

* Free Xpress Telephone Banking

* Free E-Statement

* Free Notary Service

* One-fourth percent interest rate discount on installment loans when your monthly loan

payment is automatically deducted from your ENB deposit account.

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Locally Owned & Independent .... Since 1847 .