Orrstown Bank reserves the right to modify or discontinue these products and their features at any time. Fees and charges may reduce earnings on the account. For complete details, please refer to the account agreements or contact an Orrstown Bank representative.

1 Momentum Checking Account:

Round-Up Savings: The round-up feature automatically rounds up your signature debit card purchases to the nearest dollar and transfers the difference to your Momentum Savings account. Customers may opt out of this feature at any time. Cashback Rewards: The 0.10% cashback on signature debit card transactions applies only when direct deposits totaling $2,500 or more are received within the statement cycle. Cashback is credited monthly on the 1^st day of the next statement cycle. ATM Fees: Two (2) ATM fee rebates per statement cycle are available when direct deposits totaling $2,500 or more are received during the statement cycle. Senior Benefits: Primary account holders of 50 years of age or older are eligible for waived paper statement fees and one free box of basic checks per year.

2 Momentum Savings Account:

Minimum Balance Requirement: If the average daily minimum falls below $100 after the first year, a paper statement fee will be assessed. Interest: Interest is paid on balances of $100 or greater, with tiered rates based on the collected balance in the account. Variable Interest rates are subject to change at the discretion of Orrstown Bank. Transaction Limitations: You are limited to six (6) withdrawals or transfers to another account or to third parties by preauthorized, automatic, or telephone transfer, or by check, debit card, or similar order to third parties per statement cycle. A $10 fee will be charged for each transaction exceeding this limit. Overdraft Protection: If you link your Momentum Savings account to a Momentum Checking account for overdraft protection, a $10 sweep fee will apply for each transfer made to cover overdrafts.